Abstract: Provided in the present application are a remote authentication method and system and a remote account opening method and system. The remote authentication method includes: by an electronic cipher device, acquiring information to be validated, generating and displaying a graphic identification code on the basis of the information to be validated; by a terminal, acquiring a picture including a facial image of a user and the graphic identification code displayed on the electronic cipher device and transmitting the picture to a background server; and by the background server, receiving the picture and validating the graphic identification code and the facial image of the user provided on the picture.

Abstract: Various embodiments of a network page are provided. In one embodiment, at least one server serves up a network page to a client to be rendered on the client in a networked environment. The network page is associated with a network site that facilitates ordering items. The network page includes a stack of overlapping identical graphical icons that is employed to represent the item having a quantity greater than one, and a plurality of destination regions, each of the destination regions being associated with a corresponding one of a plurality of shipping addresses. The network page is configured to facilitate an association of the stack of overlapping identical graphical icons with a respective one of the destination regions.

Abstract: Embodiments of present invention are directed to document authentication based on video captures. Instructions may be generated to guide a remotely situated customer through an authentication process in which the customer presents a document (e.g., a driver license, passport, or payment card) to a video capture element of a personal computing device (e.g., a smart phone or tablet computer) in a specified manner so that identifiable feature(s) of that document can be captured in a video file. The video file may then be uploaded to a central server for further processing or archiving. The instructions that guide the customer through the document authentication steps may be either generated locally on the personal computing device via a mobile application or delivered from a remote computer via an Internet browser. With this technique, a banking customer need not physically visit a bank to authenticate certain documents.

Abstract: An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is operative to read card data corresponding to financial accounts from user cards. The card data is linked in at least one data store to data indicating that the card data corresponds to a financial account that is authorized to be used to conduct at least one transaction through use of the automated banking machine. The automated banking machine may be used to carry out financial transfers involving financial accounts by users who are determined to be authorized users of such accounts. Data corresponding to a financial account can also be linked to a mobile wireless device so as to enable financial transfers by authorized users of such accounts.

Abstract: Methods, systems, and computer program products for providing anonymized account security services are disclosed. For example, a computer-implemented method may include an anonymous account security exchange for receiving anonymized user account information for a first user account identified as a security risk from a first organization associated with the first user account, receiving anonymized user account information for a second user account from a second organization associated with the second user account, determining that the anonymized account identifier associated with the first user account matches the anonymized account identifier associated with the second user account, and providing a notification to the second organization indicating that the second user account is associated with a different user account identified as a security risk by another organization.

Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.

Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.

Abstract: Systems and methods for locating a cash provider using location-based technologies and transfer funds include receiving a request for cash that includes location data obtained from a location-based technology from a withdrawing party device, searching a network of active providing parties for an available providing party based on withdrawing party preferences and the location data, transmitting an alert to an available providing party device, transmitting available providing party data to withdrawing party if the providing party has confirmed availability, receiving a request to transfer a withdrawal amount from an account associated with the withdrawing party device to an account associated with a selected providing party device, receiving confirmation from the withdrawing party device that the withdrawing party has received cash, transferring the withdrawal amount from the withdrawing party to the selected providing party, and transmitting an alert to the selected providing party device that the withdrawal

Abstract: A method to prevent check fraud and to ensure valid negotiable instrument transactions with the use of randomized alphanumeric and special character sequence passwords or passcodes. Check stock is prepared with either serialized or un-serialized check numbers printed on the check stock. Randomized passcodes are generated, one for each check in the check stock. Each of the randomized passcodes is printed on a single check and correlated to a unique check number. A passcode file listing correlated check numbers and passcodes is prepared. Alternatively, the passcode can be maintained physically separate from the check. When a check is presented for payment, the check number and passcode has to be presented to the payor bank that compares the check number/passcode combination to list in the passcode file. If there is no match, or if the match has occurred before concerning another payment, the check is invalidated. The passcodes may be printed on the checks in invisible ink.

Abstract: Methods and devices for generated and handling an alert are described. In one aspect, an electronic device includes an input interface and an output interface. The electronic device also includes a memory storing an application and a processor coupled to the input interface, the output interface and the memory. The processor is configured to generate a selectable alert on the output interface while the electronic device is in a device lock mode. The selectable alert is associated with the secure application. The processor is also configured to, while the electronic device is in the device lock mode, receive, from the input interface, a signal representing a command to activate the selectable alert. The processor is also configured to, responsive to receiving the command to activate the selectable alert, execute a secure event in the secure application while the electronic device remains in the device lock mode.

Abstract: In some embodiments, systems and methods are provided to forecast denomination needs at one or more retail shopping facilities. The system comprises a control circuit configured to determine a predicted optimized quantity of each of multiple different denominations of currency to be available for use at a retail shopping facility over a future period of time as a function of historic needs; select for each of the multiple denominations one of multiple different models; forecast a quantity of each of the multiple denominations to be present at the termination of the first future period of time by applying the selected one of the models; and determine, for each of the multiple denominations, whether the forecasted quantity of the denomination is greater than a threshold quantity of that denomination of the currency.

Abstract: Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.

Abstract: Determining impossible travel for a specific user entity associated with an on-premises site. A method includes identifying an estimated location of an on-premises site associated with an organization network. Identifying the estimated location of an on-premises site comprises aggregating connection information of remote devices, remote from the on-premises site connecting to the on-premises site. Information related to an on-premises connection event is identified including the estimated location, time information, and a first user identification for an entity. Information is identified related to a different connection event. The information comprises location information, time information and a second user identification for the entity. The information related to the on-premises connection event and the information related to the different connection event are used to detect impossible travel for the entity. An alert indicating an impossible travel condition is provided.

Abstract: This application discloses a system for processing requests for data in production and archive/backup databases. The system stores a mapping of data in production and archive databases to multiple different data storage locations, including a production system storing at least one production database and an archive system storing at least one archive database. The system receives a data request from an application component, which manages or receives data from a user interface and has received the data request directly from the user interface. The system translates the data request to one or more database queries based on the mapping. The system causes to execute the database queries against data on the production or archive system. The system returns a result of executing the one or more database queries to the application component, where the application component returns the result to the user via the user interface.

Abstract: A method for interacting with one or more data resources is disclosed which decreases necessary user actions and improves security. In one embodiment, the method comprises detecting the selection of a desired action to fetch data, obtaining that data from a data source associated with the action, and displaying the data to a user for a display period. The method comprises automatically restoring the device to a prior state after the end of the display period, eliminating the need for the user to do so. In one embodiment, this also ensures that the data is no longer present on the device. In one embodiment, the method includes automatic logout for secure data sources, eliminating the need for the user to logout, and improving security of the data resource. In one embodiment, the method can also post data to a data resource more securely and easily.

Abstract: A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

Abstract: A transmission system is provided. The transmission system includes a first transmission terminal and a second transmission terminal. The second transmission terminal includes an accepting unit configured to accept a destination selection, a transmission unit configured to transmit to the first transmission terminal information of the selected destination and personal account information of the second transmission terminal. The first transmission terminal includes a receiving unit configured to receive from the second transmission terminal the destination information and the personal account information of the second transmission terminal and a starting unit configured to start communication with the destination transmission terminal based on the received information.

Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.

Abstract: Methods, systems, and computer program products for a digital wallet for a group of people. A group of customers may gather for an event, e.g., a party, in which each person in the group may purchase goods or services on behalf of the group from a merchant. A customer device executing a digital wallet application program acts like a wallet for the entire group. The customer device creates group tab. The customer device associates images of each person in the group to the group tab, and submits information on the group, including the images, to a merchant device operated by the merchant. The merchant device opens the group tab for managing purchases related to the group. At the end of the event, upon receiving an input to close the tab, the customer device can receive a single bill including a total amount, and divide the total amount among people in the group.

Abstract: The various embodiments herein each include at least one of systems, methods, and software for discrete-event simulation for transaction service point device cash servicing, such as SSTDs. Such embodiments provide a unique, completely different analytic approach, and predicts a more detailed set of intractable insights for efficient servicing cash needs of SSTDs. One example embodiment in the form of a method includes receiving cash state data from an SSTD into an SSTD cash state simulator and applying a set of simulated input demand sequence data to the cash state data to obtain outputs over a simulated period. This method, while executing tracks a simulated cash state of the SSTD from which the SSTD cash state data was received over the simulated period to identify SSTD servicing needs. The method then stores the identified SSTD servicing needs in an SSTD management module.

Abstract: Systems and methods for locating a cash provider using location-based technologies and transfer funds include receiving a request for cash that includes location data obtained from a location-based technology from a withdrawing party device, searching a network of active providing parties for an available providing party based on withdrawing party preferences and the location data, transmitting an alert to an available providing party device, transmitting available providing party data to withdrawing party if the providing party has confirmed availability, receiving a request to transfer a withdrawal amount from an account associated with the withdrawing party device to an account associated with a selected providing party device, receiving confirmation from the withdrawing party device that the withdrawing party has received cash, transferring the withdrawal amount from the withdrawing party to the selected providing party, and transmitting an alert to the selected providing party device that the withdrawal

Abstract: Examples include the storage of format-aware filter format tracking states. Some examples include storage of a format tracking state for a format aware filter in a backup system in association with a backup object, access of the format tracking state from the backup system in response to detection of a potential continuation of a backup image, and applying the format-aware filter using the accessed format tracking state.

Abstract: A system for routing an image file in a network includes primary network resources, secondary network resources, and an image routing processor that receives the image file from a user device via the primary network resources, creates an association in real-time between the image file and an image address that facilitates retrieving the image file from a repository of a financial institution, communicates a message enabling the user device to use the image address to immediately retrieve the image file stored in the repository of the financial institution, receives a user request to retrieve the image file associated with the image address, uses the image address to retrieve the image file from the repository of the financial institution, and routes the image file prior to the secondary network resources posting a financial transaction based on a financial instrument depicted in the image file.

Abstract: A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.

Abstract: Customers of a financial institution may apply for a line of credit for use with, e.g., a web-based bill pay service. The credit line may be determined using an average value of the customer's previously direct-deposited paychecks and an analysis of the customer's spending behavior using the web-based bill pay service. In some implementations, the financial institution may aggregate data points associated with the customer to make a determination of an amount, an interest rate, and a term of the line of credit. The line of credit may be used to pay bills from a financial services institution and unrelated third-party billers with which the customer has a payment history, as well as provide for cash for use by the customer.

Abstract: An image processing apparatus includes a scanner, a communication interface, and a controller. The controller is configured to generate property and setting data of image data that is generated based on image scanning by the scanner, and control the communication interface to transmit the image data and the property and setting data thereof to a server connected to the image processing apparatus through a network, so that the image data and the property and setting data thereof are stored therein in association with each other.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms and providing electronic financial management. An exemplary apparatus may be configured to provide access to a funds transfer management portal that interfaces with at least one database to access a customer's financial information for use in presenting account activity associated with at least one of the customer's accounts maintained by a financial institution. The system receives a request to view account activity in which the request specifies a format for viewing the account activity. In response to receiving the request, the system retrieves data related to one or more funds transfers associated with the at least one account and present the account activity in the requested format for viewing the account activity.

Abstract: Systems, apparatus are defined that provide for determining optimal resource channels for delivering resources using contextual and prior usage data analysis. As such, the present invention is able to determine and communicate to the resource presenter the optimal resource channel, in which optimal is defined as being most beneficial to the resource presenter and/or resource processor. In this regard, the present invention takes into account the efficiency (i.e., time to process), cost, security, usage, and other benefits associated with the resource presenter and/or resource processor in determining which resource channel is optimal for any given resource delivery event.

Abstract: A system, method and apparatus for providing real-time tracking of user personalized metrics from a database are provided. A request is received from a user device for personalized metrics data from a customer relationship management (CRM) application. A home page user interface is transmitted for display on the user device. The home page user interface provides several icons for user selection, where each of the several icons corresponds to a unique personal metrics category. A selection of one of the several icons is received. A user interface for a personal metrics category corresponding to the selected icon is transmitted for display on the user device. The user interface provides for display on the user device at least one personalized metrics data corresponding to the personal metrics category.

Abstract: A financial services ecosystem for providing a collaborative worldwide payment system includes: a computer-based system configured to credit a merchant, by way of a merchant bank, for goods sold or services rendered to a consumer; and a payment process platform configured to receive data from a user application. The payment process platform is configured to generate a disposable bank identification number (BIN). The disposable BIN is converted from a BIN issued by a financial institution or credit card company. The disposable BIN is used by a biller as an authorization BIN to document that the consumer has paid a bill.

Abstract: Chaining virtual network functions is provided using a remote direct memory access in software-defined data centers in order to minimize latency. A data packet is processed using a virtual network function of the computer. The data packet is inserted into a shared memory pool for processing via remote direct memory access by a remote computer according to a network function of the remote computer that corresponds to the network function of the computer. The data packet is sent to a target destination device via a network in response to the remote computer marking the data packet as processed in the shared memory pool.

Abstract: Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing instructions, by the intermediate entity, to debit a payor card account and credit payee shadow ledger account based on the payment information as well as providing instructions, by the intermediate entity, to debit the payee shadow ledger account and to credit the payee card account based on payment rules.

Abstract: A system includes a storage unit, a generation unit, a comparison unit, a determination unit, and an execution unit. The storage unit stores coordinates of regions included in a document and identification information of the regions. The generation unit generates regions to be subjected to character recognition in a newly-received document. The comparison unit compares the generated regions coordinates and the stored regions coordinates. The determination unit determines identification information corresponding to the generated regions coordinates according to the identification information corresponding to the regions stored in the storage unit and a comparison result of the comparison unit. The execution unit specifies a script for inputting, to an application, text information obtained by the character recognition performed on the generated regions in accordance with the determined identification information and executes the specified script.

Abstract: A method and system for centralized control of user devices is disclosed. The method for centralized control of user devices via universal IP services registrar includes receiving a request to register a user device for a plurality of services, registering the user device for the plurality of services by creating a user settings profile for the user for each of the plurality of services, receiving data from the plurality of registered services, and transmitting received data to the user device in accordance with the user profile.

Abstract: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison. In some embodiments, the one or more functions may relate to account information communication, such as writing a magnetic stripe, unblocking a magnetic stripe, activating a near field communication chip, displaying an account number, providing power to an antenna, or otherwise enabling communication of the account number based on the capabilities of the card.

Abstract: An apparatus and method for securing sensitive data on a mobile device are provided. The method includes receiving an encryption or decryption request for the sensitive data on the mobile device, forwarding a file access request for the sensitive data to a secure environment, instantiating a trusted user interface (TUI), collecting user input via the TUI, generating a key using the collected user input, and encrypting or decrypting the sensitive data on the mobile device.

Abstract: A bill processing device includes: a device main body including a depositing portion; a plurality of storage boxes where each has an outlet port; a dispensing box including a bill output port; an outlet door configured to open and close the outlet port of each of the storage boxes; a plurality of outlet port detectors where each is configured to detect the outlet port being opened by the outlet door; and a controller configured to determine that cash balance is unknown only when at least one of the outlet port detectors detects that the outlet port is opened.

Abstract: A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.

Abstract: Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

Abstract: A system, method, and card are disclosed for operating in conjunction with a financial account in order to automatically convey information to an account holder by directing the information to the card associated with the financial account. The card may include a display. The system may include an event detection module for detecting an event related to the financial account, a message selection component for selecting an account-related message corresponding to the event detected by the detection module, and a message generation module for generating the account-related message and transmitting the account-related message to the card associated with the financial account. The card conveys the account-related message on the display and may prompt the user to contact a card issuer.

Abstract: A scanner recognizes types of images and components of those image types. Custom routing rules are applied against the types and components and the scanner utilizes multiple network connections to route the images and components to destinations within a Point-Of-Sale (POS) terminal and external to the POS terminal over a Wide-Area Network (WAN) and/or a Local-Area Network (LAN).

Abstract: A method of verifying a receiving of an item by a purchaser is disclosed. An indication that the purchaser agreed to purchase the item is received. A record is added to a purchase history associated with the purchaser, the record including a data item pertaining to the purchasing of the item. A notification that the purchaser has scanned information from a label on a package is received. It is determined that the package contains the item based on a correspondence between the data item and the information from the label. The record is updated to include verification data that the purchaser received the item.

Abstract: Methods, systems, and apparatuses for improving the handling and interaction of charge events in a business using services of a multi-tenant computing platform, such as accounting, CRM, ERP, and the like. Embodiments are directed to implementing and using a charge record to enable efficient use of charges originating from multiple sources to generate reports and forecasts for multiple other services and/or recipients. In one embodiment, the charge record defines a single-source of data which enables maintaining critical business information in synchronization through a single repository of data. One aspect is to define a single abstraction, the charge record, which all sources can create. Thus, instead of multiple relationship between multiple sources and multiple processes, a charge record provides a single data point for a charge such that charges sources and processes that utilize data from the charge sources may interact using a single type of data record.

Abstract: Methods, systems, and computer-readable media for providing access to account information using authentication tokens are presented. In some embodiments, a customer of a financial institution may visit an account information aggregator site and request to add an account maintained by the financial institution to a collection of accounts for which the aggregator collects account information on behalf of the customer. Rather than providing their username, password, or other bank login credentials to the aggregator, the customer may be redirected to a page provided by the financial institution where the customer can enter the customer's credentials and authenticate with the financial institution. After authenticating the customer, the financial institution may generate a token and provide the token to the aggregator.

Abstract: A method of method of managing media replenishment at a media terminal, the method comprising: receiving a media event from a media terminal; retrieving a next scheduled media replenishment event for that media terminal; evaluating if the next scheduled media replenishment event is scheduled to occur within an acceptable delay period; and initiating an unscheduled replenishment event only if the next scheduled media replenishment event is scheduled to occur after the acceptable delay period.

Abstract: A method includes receiving and storing, at a server, retail product data related to a retail product offered for sale at a retailer, the retail product data including text data corresponding to a description of the retail product, price data corresponding to a price of the retail product, and image data corresponding to a graphical image of the retail product. The method also includes receiving, at the server, links to content generated by a content-generating user, the content being associated with retail products. The method also includes identifying, at the server, a link from the plurality of links that corresponds to content associated with the retail product offered for sale at the retailer. The method also includes generating, at the server, a web page that displays the product data, including the text data, the price data, and the image data for the retail product offered for sale at the retailer and that displays the identified link.

Abstract: The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.

Abstract: An email payment gateway may be configured to send emails to customers, including a plurality of mailto hyperlinks. Each mailto hyperlink may be in the form of a graphical user interface button associated with one or more products. Each button generates a return email message when the button is selected. The generated email message may include one or more parameters related to the one or more products associated with the button, such as an identifier of the product, vendor or particular campaign with which the product is associated. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process payment to complete the customer's purchase of the selected product.