Abstract: A notification message system can use a payment request message during an authorization process to generate a message recommending a tip amount. A customer provides a payment card number at a merchant. A merchant initiates an authorization request using the payment card number and an amount. The authorization message is transmitted to a merchant-acquirer, who then transmits the authorization message to issue processing system, who in turn transmits the authorization message to a consumer computing system. The consumer computing system can use an industry code to determine whether the merchant is one that customarily receives a tip. The consumer computing system calculates a suggested tip amount based on the transaction amount, then generates a message with the tip amount and pushes the message to a mobile device of the user associated with the payment card number. The customer can continue the transaction using that tip amount.

Abstract: Described is a technology for seamless initiation of a transfer of payment from a sender to a recipient by sending email, without requiring any account creation and/or login procedure. The technology can involve sending payment from one mobile device to another. In one aspect, the technology includes receiving a payment amount from a sender via the sender's mobile device, causing an email with pre-populated information to be generated using a native email application on the mobile device, and initiating the process to transfer the payment amount upon sending of the email. The technology enables a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.

Abstract: Disclosed is a technology for seamless initiation of a financial service, such as a payment transaction, by sending a communication message. The disclosed technology can be used, for example, to send payment from a person (e.g., a consumer) to another over e-mail without requiring any sign-up or login procedure. In at least one embodiment, the technology includes receiving a service request email generated by a native email application on a consumer's device, verifying the email using information included in the email, and initiating the service as requested based on the information. Various embodiments of the disclosed technology enable a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.