Receiving a consumer-tailored pricing at a mobile device, including: selecting a product having a product identifier from an online seller using the mobile device; reading a consumer ID from a consumer card using the mobile device; transmitting first data including the product identifier of the selected product, the consumer ID, and desired price and quantity of the selected product to a consumer service provider, wherein the consumer service provider generates a purchase code based on the first data once the consumer ID is verified, wherein the consumer ID is verified when the consumer service provider sends a verification code to the mobile device and receives back the verification code to verify that the consumer ID is associated with the mobile device which is registered with the consumer service provider along with the consumer ID.
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