Patent ID: 8645222

Claim:
A computer implemented method for fulfilling a customer request for a requested item to be purchased from a designated merchant, the method performed by a tangibly embodied processing machine disposed in a customer device, the customer device being a smart phone, the method including: observing an observed event that is associated with processing performed by the smart phone, the observing the observed event triggering the customer request; mapping the observed event with a corresponding order record stored in a database within the smartphone; retrieving order information for the customer request from the corresponding order record, the order information including at least customer financial entity account information and ordering information for the customer request; generating a merchant request based on the order information in the corresponding order record, the merchant request that is generated including at least customer identification information, the ordering information for the customer request, and customer financial entity account information; and outputting the merchant request to the designated merchant, so as to provide the designated merchant with information to fulfill the customer request, the customer request constituting a transaction, wherein retrieving the order information from the corresponding order record includes the order record being retrieved from the database within the smart phone.