Abstract: Systems and methods for managing computer-assisted communications channels based on relationships between users who wish to communicate with one another are described. The relationship-managed communications system allows users to retain control over whom they permit to communicate with them and under what conditions such communications may take place, for example when they take place and/or using which communications channels, by allowing pairs of users to establish relationships which specify communications permissions. Users of the system provide their contact information to the relationship-managed communications system, and the system uses the securely stored information to mediate the establishment of communications channels between users. Embodiments of the system may intelligently route communications to substitute channels based on relationship-related and other information.

Abstract: Methods, apparatuses and systems facilitating payments over a computer network. The on-line payment system of the present invention can be used to facilitate person-to-person payments, person-to-business payments, and business-to-business payments. In one embodiment, the on-line payment system of the present invention leverages the viral elements of on-line payment systems to market other financial services, such as credit and/or debit card services. Other embodiments provide efficient payment protocols reducing transaction costs and fees associated with such payments. Other embodiments of the invention allow users to transfer funds to other users with a telephone number.