Patent ID: 8412631

Claim:
A method comprising: receiving, by a computer for enabling payment processing and from a payer device, a payer request, wherein the payer request comprises a payer account identifier associated with a first payer, and wherein the computer is part of an Internet accessible payment processing cloud; saving, by the computer and to a memory associated with the payment processing cloud, a first cloud transaction comprising a cloud transaction identifier based upon the payer request; identifying, by the computer and based upon a payer profile associated with the cloud and the payer request, an alternate payer device, sending, by the computer, the cloud transaction identifier to the alternate payer device; receiving, by the computer and from a payee device, a payee payment request comprising the cloud transaction identifier, wherein the payee payment request comprises a payee account identifier associated with a first payee; identifying, by the computer and based upon the cloud transaction identifier, the first cloud transaction; submitting, by the computer, a transaction authorization request to a payment network; receiving, by the computer and based upon the transaction authorization request, a transaction authorization from the payment network; and sending, by the computer and based upon the transaction authorization, a first notification message to the payee.