Systems and methods for ordering and payment

A computer system configured for ordering of store items and electronic payment without disclosing a user's monetary account number, the system comprising:

• a user device comprising a processor, a memory, a display, a graphical user interface (GUI) configured to permit input by a user, a transmitter, a user application, and a global positioning system (GPS);
• a payment issuer server in communication with the user's monetary account and with the user device;
• a merchant server in communication with the user device and in communication with a products database that contains information, including price, about one or more products provided by a merchant, wherein the merchant server is configured to receive an order for the one or more products from the user device;
• a health records database in communication with the user device that contains the user's health factors and electronic medical record, wherein the user's health factors comprise one or more of diabetes, high blood pressure, or a heart condition;
• a merchant payment device in communication with the merchant server;
• a merchant bank server in communication with a merchant account, the merchant payment device, and the payment issuer server;
• and
• a cloud service provider server in communication with the payment issuer server, the user device, and the merchant server,
• wherein
• (a) the user device is configured to communicate with the payment issuer server through the cloud service provider server after receiving the price for one or more suggested products from the cloud service provider server in response to the merchant server receiving the order from the cloud service provider server,
• (b) the payment issuer server verifies that the user's monetary account has sufficient funds to pay the price,
• (c) a payment is transferred to the merchant bank server by the cloud service provider server for the one or more suggested products after a predetermined period of time without revealing an account number of the user and the account number remains private to the user,
• (d) the merchant server is configured to determine the one or more suggested products to suggest to the user device based on the user's health factors and electronic medical record, a GPS location of the user device, and available products from the merchant, and
• (e) the merchant server is configured to cause the GUI to display natural language text comprising the one or more suggested products and at least one nutritional attribute of the one or more suggested products relevant to the user's health factors, the one or more suggested products displayed on the GUI and the GUI being updated upon a user request via the GUI to review different products,
• (f) the cloud service provider server transmits a verification of the payment to the user device after the cloud service provider server receives the payment from the user device.