Abstract: A conditional payment unit executing on one or more processors at a financial institution may receive payment instructions that specify one or more conditions for the conditional payment unit to transact a payment from a first party to a second party. The conditional payment unit may further receive one or more indications of whether the one or more conditions have been satisfied by one or more of the second party or a third party. In response to determining that the one or more conditions have been satisfied, the conditional payment unit may transact the payment from the first party to the second party.

Abstract: A method for performing payment transactions via social media includes obtaining social user messages generated by a user on a social media system; identifying a payment command within the social user messages based on contextual cues within the social user messages; and initiating a funds payment transaction based on the payment command. Other systems, apparatuses, and methods are also described.

Abstract: A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder.