Patent ID: 8719156

Claim:
A method performed by a computer, comprising: receiving, by a computer of a payment provider from a sender of funds, information contained in a user-discernable payment link consisting of a protocol prefix followed by a colon, a locator to a site of the payment provider, an amount of payment, a plurality of slashes, and a phone number of a recipient of funds when the sender accesses the user-discernable payment link generated by and received from the recipient, wherein the recipient and sender are individuals; determining, by the computer, an account of the recipient of the funds based on the phone number of the recipient contained in user-discernable payment link; directing the sender to a site of the payment provider; processing, by the computer, information obtained through the site from the sender of the funds; and transferring an amount of the funds to the account of the recipient, wherein the account is with the payment provider.