Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts.

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract: A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account.

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that arc communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: Conducting offline transactions comprises associating, using one or more computing devices, a user computing device with a payment account of a user and a counter-party computing device with a payment account of a counter-party, the user computing device and the counter-party computing device being activated to conduct transactions utilizing the accounts; receiving a transaction request from the user computing device indicating that an offline transaction was conducted with the counter-party computing device; conducting a transfer of funds from the payment account of the user to the payment account of the counter-party; providing a confirmation of the transfer to the user computing device and a confirmation of the transfer to the counter-party computing device; and providing an updated balance of the peer-to-peer payment account of the user to the user computing device and an updated balance of the payment account of the counter-party to the counter-party computing device.

Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.

Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: The invention provides a computer-implemented method for generating a risk rating for a peer-to-peer transaction. The method comprises receiving a request to generate a risk rating for a proposed peer-to-peer financial transaction; identifying information associated with a plurality of previous peer-to-peer transactions of the payor; identifying one or more of the previous peer-to-peer transactions that are related to the proposed transaction; assigning a score to each of the related peer-to-peer transactions, the score being based at least in part on a determination of a level of success of each of the related peer-to-peer transactions; determining the risk rating for the proposed transaction based on the scores assigned to the transactions related to the proposed transaction; determining a payor risk rating for the payor; adjusting the risk rating for the proposed transaction based on the payor risk rating of the payor; and presenting the risk rating for the proposed transaction.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.