Patent ID: 8799159

Claim:
A system comprising: a non-transitory memory storing user account information, wherein the user account information includes user financial information; and one or more hardware processors in communication with the non-transitory memory and configured to: process a financial transaction corresponding to an invoice bill when a user drags-and-drops an image of an invoice bill to a service icon installed on or in a user device by: receiving a purchase request for the invoice bill at a payment provider from the user device over a network, wherein the purchase request includes the image of the invoice bill generated by a merchant of at least one item for purchase, wherein the purchase request further includes user information and merchant information; verifying the user information including accessing a user account corresponding to the user; determining a payment method of the invoice bill using the user account; processing the financial transaction using the image of the invoice bill, the merchant information, and the payment method without the user providing the user account information directly to the merchant; and notifying the merchant that the financial transaction is complete.