Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.

A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.

A mobile payment system (MPS) is disclosed that enables transactions for MPS users using user devices, and interfaces with third party payment systems with third party user accounts. The MPS includes MPS frontends, third party MPS accounts, and a MPS backend including a MPS backend account, a MPS database and MPS user accounts. Each MPS frontend is located on one user device and is associated with one MPS user. At least one of the third party MPS accounts is on each third party payment system. Each MPS user account is associated with at least one MPS user. A particular MPS frontend performs local processing of MPS functions on its user device and communicates over networks with the MPS backend and with other MPS frontends on other user devices. The MPS backend administers funds in the MPS backend account, the MPS user accounts, and the third party MPS accounts.

Methods and systems for enabling peer-to-peer systems are disclosed. The server system includes one or more processors, memory, and one or more programs stored in the memory. The server system receives from a first peer to peer node in a plurality of peer to peer nodes, a request for item information associated with one or more items. The server system converts the requested item information into a format useful for the peer-to-peer network. The server system transmits the requested item information to the first peer-to-peer node for persistent storage such that other peer-to-peer nodes in the plurality of peer-to-peer nodes can search for item information within the peer-to-peer network. The server system receives an authentication request from a second peer-to-peer node that is used to authenticate a transaction between a first user associated with the second peer-to-peer node and a second user.

A system and method for providing an email as a command is disclosed. The system and method include formatting an action in an e-commerce system based on an assigned address, wherein communication with the assigned address initiates the action, and authenticating a message addressed to the assigned address, wherein for a positively authenticated message the action is performed. The system and method may also include receiving the message sent to the assigned address. For negatively authenticated messages, the system and method include providing a sender of the message a sign-up to enable positive authentication. The system and method may include requesting details of the action based on the message. The system and method may include sending an invoice for the action to the address that sent the authenticated message and processing a payment based on a response to the sent invoice.

The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.

Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request.

A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.

Disclosed is an approach for enabling a user to choose from multiple payment options using a browser API. The method includes transmitting, to a browser and via a browser payment request application programming interface, a payment request having data associated with a purchase of a product from the site for a user and presenting a choice between a first payment method and a second payment method for purchasing the product. The method includes receiving a selection of a payment method from the user of one of the first payment method and the second payment method to yield a selected payment method and, based on the selected payment method and in response to the payment request, receiving, from the browser and via the browser payment request application programming interface, data associated with the selected payment method.

In some embodiments, a method includes in response to an integration tag included in a webpage at a first user interface being executed at a mobile device, receiving a mobile device identifier and a request to retrieve a purchase identifier. The method includes sending a first signal causing a frame to be provided within the webpage at the first user interface. The method includes in response to a first user input, receiving a Hyper Text Transfer Protocol (HTTP) POST request and determining a uniform resource identifier (URI). The method includes retrieving purchase information and sending a HTTP response message including the URI of the second user interface and the purchase information to deeplink to the second user interface and to cause the second user interface to be rendered at the mobile device with the purchase information pre-populated in an input field of a text message.