Patent ID: 8856043

Claim:
A system for processing transactions, the system comprising: a payment processing network server computer to communicate with an issuer to process payment requests; and a network-enabled server computer comprising a processor and a memory device coupled to the processor, the memory device comprising instructions executable by the processor to communicate with one or more external systems, wherein the instructions are further executable by the processor to: receive a payment request, from a first merchant computer associated with a first entity, for authorizing payment for a transaction corresponding to a service provided by the first entity to a user; send, to the first merchant computer, a request for additional information to validate the transaction, wherein the additional information includes audio, video, documentation, or a combination thereof, and wherein the additional information is produced for providing the service to the user; in response to receiving the additional information, send, to a second merchant computer associated with a second entity, the additional information to validate the transaction based on the additional information; receive, from the second merchant computer, a response indicating validation of the transaction, wherein validation of the transaction is determined using the additional information; send a validation request to a user device to validate the payment request; receive, from the user device, a response to the validation request; receive, from the user device, an alias identifier for a user associated with the transaction; determine payment account information for the user based at least in part on the alias identifier; and communicate the payment account information to the payment processing network server computer, wherein the payment processing network server computer processes the payment for the transaction using the payment account information.