Patent ID: 8442868

Claim:
A computer-implemented method for processing payment requests from a first person for one or more persons, where one or more processors are programmed to perform steps comprising: receiving an electronic third party payment request at the one or more processors from the first person to request that a second person and a third person fund a purchase for the first person; sending an electronic payment authorization request to the second person from the one or more processors; sending an electronic payment authorization request to the third person from the one or more processors; receiving an electronic response to the payment authorization request, the electronic response being initiated by the second person and includes a first authorization to pay a first portion of an amount requested in the third party payment request; determining, using the one or more processors, whether the response includes an authorization to pay for the item for the first person; holding the first authorization in a pending status until an authorization to pay a remaining balance of the amount requested is received; receiving a second authorization from the third person to pay a second portion of the amount requested; and processing the third party payment request using a first funding source associated with the second person to pay the first portion of the amount requested and a second funding source associated with the third person to pay the second portion of the amount requested when the second authorization is for at least the remaining balance of the amount requested.