Abstract: Systems, methods and computer-readable media for optimizing financial transactions are disclosed. Candidate source and target financial accounts may be respectively identified based on source and target identifiers. Respective candidate source payment networks configured to access each candidate source financial account and respective candidate target payment networks configured to access each candidate target financial account may be identified. Based at least in part on an analysis of one or more rules, a set of transaction options may be generated. Each transaction option may be associated with a particular combination of source and target financial accounts and payment networks and may further be associated with one or more transaction characteristics. Respective transaction options information associated with one or more of the transaction options may be transmitted and potentially presented to a financial transaction requestor.

Abstract: Embodiments of the invention may provide systems and methods for facilitating person-to-person payments. A payer request to pay a payee identified by a first contact identifier is received. Upon failing to locate the payee in a data repository of registered payees via the first contact identifier, the first contact identifier is utilized to transmit a registration invitation to the payee. Information associated with the request may be stored pending registration by the payee, and the invitation may include a link to a payment service provider site and an indicator of the stored information. Based upon a payee selection of the link, the indicator and identifying information for the payee other than the first contact identifier is received. The received identifying information is utilized to determine a pre-existing registration of the payee with the payment service provider, and the stored information is utilized to direct a payment to the payee.