Patent ID: 7742994

Claim:
A computing device, comprising: one or more processors; a validater component that is programmed to, when executed by at least one of the one or more processors: receive one or more indications of a proposed financial payment from one or more first parties to one or more second parties and of one or more indications of one or more payment instruction sets associated with at least one of the first parties, the received one or more indications including one or more references associated with the one or more payment instruction sets by an authorization system, and each of the payment instruction sets including one or more conditions to be satisfied in order to authorize the financial payment; obtain at least one of the indicated payment instruction sets based at least in part on the one or more references; determine whether the obtained at least one payment instruction set authorizes obtaining the proposed financial payment from one or more financial accounts of one or more of the first parties; and a handler component that is programmed to, when executed by at least one of the one or more processors, and if the obtaining of the financial payment is determined to be authorized, facilitate the obtaining of the financial payment from the one or more financial accounts.