Prescient and adaptive point-of-sale systems

A machine-implemented method, comprising:

• generating, by processing circuitry of one or more servers configured to communicate with consumer devices and merchant devices via a network, a digital consumer token;
• associating, by the processing circuitry, the digital consumer token with each of a public consumer profile and a private consumer profile for a first consumer, wherein the public consumer profile comprises public purchasing preference criteria digital information deemed to be sharable with the merchant devices without requiring express authorization from the first consumer for each sharing instance, and wherein the private consumer profile comprises payment data deemed not to be shareable with the merchant devices without requiring express authorization from the first consumer;
• providing, by the processing circuitry and via the network, the digital consumer token to a consumer device associated with the first consumer;
• receiving, by the processing circuitry and via the network, the digital consumer token from a merchant device indicating that the consumer device has provided the digital consumer token to the merchant device;
• subsequent to receiving the digital consumer token, and by the processing circuitry:
• identifying the public consumer profile based on the digital consumer token;
• and
• providing, via the network, the public consumer profile to the merchant device to cause rending, at the merchant device, of a point-of-sale interface that is customized for the first consumer based on the public purchasing preference criteria of the public consumer profile.

A system comprising:

• one or more servers including:
• communications circuitry configured to connect with consumer devices and merchant devices via a network;
• consumer profile service circuitry configured to:
• generate a digital consumer token;
• associate the digital consumer token with each of a public consumer profile and a private consumer profile for a first consumer, wherein the public consumer profile comprises public purchasing preference criteria digital information deemed to be sharable with the merchant devices without requiring express authorization from the first consumer, and wherein the private consumer profile comprises payment data deemed not to be shareable with the merchant devices without requiring express authorization from the first consumer;
• and
• provide, via the network, the digital consumer token to a consumer device associated with the first consumer;
• and
• point-of-sale service circuitry configured to:
• receive, via the network, the digital consumer token from a merchant device indicating that the consumer device has provided the digital consumer token to the merchant device;
• subsequent to receiving the digital consumer token:
• receive a merchant identifier associated with the merchant device;
• apply sharing rules associated with the private consumer profile to a merchant account associated with the merchant identifier to determine if the merchant device is a trusted merchant device;
• in response to determining that the merchant device is not a trusted merchant device, provide, via the network, the public consumer profile to the merchant device;
• and
• in response to determining that the merchant device is a trusted merchant device, provide, via the network, the private consumer profile to the merchant device.