Patent ID: 9202207
Filing Date: 2015-12-01
Classification: G06Q

Abstract:
1. A computer-implemented method for transferring a payment from a sender account to a recipient account using an email message comprising: receiving, at a user device associated with a sender by an email application, a user input of a requested payment amount to be transferred from a recipient account of a recipient of a payment service system to the sender account associated with the sender of the payment service system and a user input of a recipient email address of the recipient; generating, by the user device and using the email application, an email message having the requested payment amount in a subject or body of the email message and having a confirmation link to a network resource associated with a payment service system, wherein the confirmation link is encoded with a sender email address and the recipient email address, wherein the confirmation link is generated for activation in a web browser executing on a recipient user device associated with the recipient, concurrently sending the email message from the user device to the recipient user device associated with the recipient based on the recipient email address and a server associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link in the email message, the server associated with the payment service system identifies the sender account of the sender and the recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account, wherein the sender account and the recipient account are identified based on association data stored in a database associated with the payment service system, the database storing the association data that defines associations between multiple email addresses and multiple user accounts, wherein at least one email address corresponds to a particular user of multiple users of the payment service system, wherein the at least one email address is associated with at least one of the multiple user accounts in a transaction conducted by said particular user with another user, said another user being one of the multiple users or an unregistered user.