acquiring an indication of one or more conditions related to a potential transaction between a vendor and a user;

acquiring a vendor payment channel set, said vendor payment channel set including one or more vendor payment channels, at least one of said one or more vendor payment channels including at least one of a vendor payment option and a vendor payment modality; and

adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes one or more of selecting a user payment channel that is present in the vendor payment channel set and interfacing a user payment channel that is absent in the vendor payment channel set.

receiving an indication that a user has interacted with an interface of a personal device, said interaction related to the potential transaction between the vendor and the user.

detecting one or more conditions related to the potential transaction between the vendor and the user.

detecting that the user carried out one or more particular actions.

receiving, from a third party contracting from the vendor, an indication of a potential transaction between the vendor and the user.

acquiring the vendor payment channel set, said vendor payment channel set including a particular vendor payment channel set, said particular vendor payment channel set including a particular vendor payment modality set.

receiving the vendor payment channel set including one or more vendor payment channels.

receiving the vendor payment channel set, including one or more vendor payment channels, from a channel set manager.

generating the vendor payment channel set, including one or more vendor payment channels.

generating the vendor payment channel set, including one or more vendor payment channels, from information obtained about the vendor.

generating a user payment channel set, said user payment channel set at least partly based on one or more attributes of a user device; and

adapting a user payment channel of the user payment channel set to facilitate at least a portion of the potential transaction, by selecting a user payment channel that is present in the vendor payment channel set.

generating the user payment channel set, said user payment channel set at least partly based on one or more attributes of the user device, said user payment channel set including a user payment channel that is present in the vendor payment channel set.

generating the user payment channel set, said user payment channel set at least partly based on one or more user device settings.

retrieving a list of one or more user payment channel preferences; and

generating the user payment channel set, at least partly based on the retrieved list of one or more user payment channel preferences.

retrieving the list of one or more user payment channel preferences, said list of one or more user payment channel preferences including one or more of a list of at least one user payment modality preference and a list of at least one user payment option preference.

retrieving a ranked list of one or more user payment channel preferences, said ranked list of one or more user payment channel preferences including one or more ordered rankings of the one or more user payment channel preferences.

retrieving the ranked list of one or more user payment channel preferences, said ranked list of one or more user payment channel preferences including an ordered ranking of one or more of at least one user payment modality preference and at least one user payment option preference.

generating the user payment channel set, said user payment channel set at least partly based on one or more user device settings that are set by a user device manufacturer.

generating the user payment channel set, said user payment channel set at least partly based on one or more user device settings that are set by an application operating on the user device.

generating the user payment channel set, said user payment channel set at least partly based on one or more input and/or output capabilities of the user device.

generating the user payment channel set, said user payment channel set at least partly based on one or more data access levels of the user device.

generating the user payment channel set, said user payment channel set at least partly based on the user device access to a translation table for one or more proprietary vendor codes.

selecting a user payment channel from a user payment channel set for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein said selected user payment channel is present in the vendor payment channel set.

generating a user payment channel; and

adapting the generated user payment channel for use with the vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction.

generating one or more user payment options and/or one or more user payment modalities by contacting one or more entities associated with one or more user payment options and/or one or more user payment modalities

adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes selecting a user payment channel that is present in the vendor payment channel set

selecting the user payment channel that is present in the vendor payment channel set to facilitate at least a portion of the potential transaction, said facilitating including using the selected user payment channel.

selecting the user payment channel that is present in the vendor payment channel set to facilitate at least a portion of the potential transaction, said selecting at least partly based on one or more vendor payment channel preferences.

receiving a first portion of the vendor payment channel set including a first one or more vendor payment channels;

receiving a second portion of the vendor payment channel set including a second one or more vendor payment channels; and

selecting a user payment channel from the second one or more vendor payment channels.

selecting the user payment channel from the second one or more vendor payment channels after rejecting one or more of the first one or more vendor payment channels.

selecting a user payment modality that is present in a user payment modality set to facilitate at least a portion of the potential transaction, said selecting at least partly based on one or more vendor payment modality preferences.

adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes interfacing a user payment channel that is absent in the vendor payment channel set.

carrying out a user portion of the potential transaction using the user payment channel; and

facilitating at least a portion of the potential transaction using the vendor payment channel.

carrying out a user portion of the potential transaction using a user payment option of the user payment channel; and

converting at least a portion of the data received from the user portion of the potential transaction into data acceptable by a vendor payment option of the vendor payment channel set.

carrying out a user portion of the potential transaction by using a user payment modality of the user payment channel that is absent in the vendor payment channel set; and

carrying out a vendor portion of the potential transaction by using a vendor payment modality of the vendor payment channel.

contacting an external resource configured to use the vendor payment modality of the vendor payment channel; and

carrying out a vendor portion of the potential transaction using the external resource as an intermediary.

obtaining a list of one or more external resources from a resource manager; and

contacting an external resource from the list of one or more external resources.

obtaining a list of one or more external resources that have a particular attribute, from the resource manager.

obtaining a list of one or more external resources that have the external resource payment channel set, said external resource payment channel set including one or more payment channels that are present in the vendor payment channel set and one or more payment channels that are present in a user payment channel set.

circuitry for acquiring an indication of one or more conditions related to a potential transaction between a vendor and a user;

circuitry for acquiring a vendor payment channel set, said vendor payment channel set including one or more vendor payment channels, at least one of said one or more vendor payment channels including at least one of a vendor payment option and a vendor payment modality; and

circuitry for adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes one or more of selecting a user payment channel that is present in the vendor payment channel set and interfacing a user payment channel that is absent in the vendor payment channel set.