Patent ID: 9165291
Filing Date: 2015-10-20
Classification: G06Q

Abstract:
1. A computer-implemented method for initiating a money transfer from a sender to a recipient, comprising: receiving, by a payment application executing on a mobile device of the sender, a request to initiate the money transfer provided by a payment processing system, the request to initiate the money transfer including a payment amount and payment account information associated with the sender, the payment amount and the payment account information being entered by the sender into the payment application, wherein the payment application is associated with the payment processing system and is configured to communicate with a native email application executing on the mobile device of the sender to generate and send emails to the payment processing system for initiating money transfers, wherein the payment application is configured to enable the sender to submit the request to initiate the money transfer without registration with the payment processing system or login with the payment application; in response to the request to initiate the money transfer: launching, by the payment application, the native email application executing on the mobile device; upon launching the native email application, causing, by the payment application, the native email application executing on the mobile device to generate an email to be transmitted from the mobile device to the payment processing system, and further to prepopulate the email with information including device identification information associated with the mobile device, the payment account information associated with the sender, the payment amount, a sender email address of the sender, and a payment processing email address of the payment processing system, wherein the email includes a field to receive, from the sender, a recipient email address of the recipient; based on a receipt, via the native email application, of the recipient email address and an indication to send the email from the sender, receiving, by the payment processing system, the email sent from the mobile device; and in response to receiving the email from the mobile device: analyzing the email, by the payment processing system, to verify an authenticity of the email based, at least in part, on the device identification information included in the email; based on the verification, analyzing, by the payment processing system, the email to identify the payment amount included in the email and a payment account based on the payment account information included in the email; and linking, by the payment processing system, the sender email address with the payment account; and generating, by the payment processing system, a transaction account with the payment processing system for the sender based on the email received from the mobile device, said generating the transaction account including linking the transaction account with the payment account to initiate the money transfer requested in the email.