Abstract: A method is disclosed. The method includes receiving an invoice from a recipient computer, the invoice providing details regarding goods and/or services purchased by a requestor operating a requestor computer, and an amount associated with the goods and/or services. The method also includes receiving an instruction comprising a requestor identifier and a recipient identifier from the requestor computer to pay the recipient for the amount, and obtaining an account identifier, without communicating with the recipient computer. The method further includes initiating, by a processing module, the generation of an authorization request message with the account identifier and the amount or an amount derived from the amount to an authorizing entity computer.