Retail shopping method and system using upc capture

A method of purchasing a product using a mobile computing device, the method comprising:

• displaying a list of merchants and prices associated with a product, wherein the list of merchants includes at least one on-line store and at least one physical store;
• and
• providing an on-line payment screen for the on-line store or providing an indication of a discount for a purchase in the physical store.

A mobile computing device, comprising:

• a display;
• and
• a processing circuit configured to provide an image to the display, wherein the image includes an interface allowing the user to choose a first screen, a second screen, and a third screen, wherein the interface includes an identification of a product chosen by a user, the product is selected by the user via a bar code, the first screen including on-line purchase information for a product, a second screen including pricing information from a plurality of merchants for the product, and a third screen including review information for the product.