Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.

Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.

Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access his/her accounts at a financial institution and direct payments to a third-party using an alias. The user may ensure a secure payment to a third-party through the network associated with a financial institution. Payments may be directed to individuals the user may input into the system by providing the individual's alias. An alias may be a unique identifier of an individual and tied to a financial account of that individual. The sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. This invention allows a user to receive and provide payments for transactions utilizing the convenience of a mobile device.

Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.

Abstract: Embodiments of the invention provide a method of populating a list of transaction participants with the aliases of individuals and entities that can participate in P2P transactions. In some embodiments, the list of transaction participants is a list of payment recipients to whom the user can make P2P payments and the list is populated with a third party's alias. In other embodiments, the list of transaction participants in a list of recipients to whom a third party can make P2P payments and the list is populated with the user's alias. In some embodiments, a method is provided that includes: (1) receiving information associated with a party to a financial transaction with a user; (2) determining, at least partially on the information associated with the party, that the party can participate in a P2P transaction with the user; and (3) populating a list of P2P transaction participants with an alias identifier.

Abstract: Systems, methods, and computer program products are provided for invoicing and electronic billing. Methods include receiving invoicing data from a merchant, identifying a user based on the invoice data, receiving payment instructions from the user, where the payment instructions include an alias, and determining that the merchant is a registered payment recipient based on the alias. In specific embodiments, the invoice data is converted into an electronic bill, and the electronic bill is sent to the user.