Patent ID: 8762272

Claim:
A computer-implemented method for sending payments by email, comprising: receiving, using one or more computing devices, a request from a sender email client to attach a payment object to a message composed in the sender email client; communicating, using the one or more computing devices, to the sender email client, a payment object modal for presentation in the sender email client in connection with the composed email message, the payment object modal comprising fields for capturing payment transaction details, the payment transaction details comprising at least a sender electronic payment account identifier associated with an account of a sender of a payment, a recipient electronic payment account identifier associated with an account of a recipient of the payment, and a payment amount for the payment; receiving, using the one or more computing devices, from the sender email client, the payment transaction details input in the payment object modal provided to the sender email client; communicating, by the one or more computing devices, a fund verification request to an issuer computing device associated with the sender payment account, the fund verification request comprising the sender electronic payment account identifier and the payment amount; receiving, by the one or more computing devices, an electronic sender payment account status from the issuer computing device, the sender payment account status indicating whether a current sender payment account balance associated with the sender payment account is greater than, equal to, or less than the payment amount; and inserting, by the one or more computing devices, a payment object into the email message composed in the sender email client only if the current sender payment account balance is greater than or equal to the payment amount, the payment object displaying at least a portion of the payment transaction details; receiving, using the one or more computing devices, the email message including the payment object from the sender email client; communicating, using the one or more computers, the payment transaction details and transfer instructions to a payment processor computing device in response to receiving the email message including the payment object from the sender email client, the transfer instructions comprising instructions to transfer the payment amount indicated in the payment transaction details from the sender account to the recipient account; and synchronizing, using the one or more computers, delivery of the email message including the payment object to a recipient email client with posting by the payment processor of the payment to the sender account and the recipient account.