Peer to peer email based financial transactions

Abstract

A method for peer-to-peer e-commerce transaction between a first user and a second user that is facilitated by a payment server is disclosed. The method including receiving a money request from a first user, wherein the money request identifies a second user from which money is requested. The method further including transmitting a money request email message to the second user, wherein the money request email includes a token and receiving a response email message to the money request email message, wherein the response email message includes the token. The method further including determining whether the second user is a member based on the received token and an email address associated with the response email message.

What is claimed is: 
     
         1 . A method for peer-to-peer e-commerce transaction between a first user and a second user that is facilitated by a payment server, the method comprising:
 receiving, by a receiver, a money request from a first user, wherein the money request identifies a second user from which money is requested;   transmitting, by a transmitter, a money request email message to the second user, wherein the money request email includes a token;   receiving, by the receiver, a response email message to the money request email message, wherein the response email message includes the token; and   determining, by a processor, whether the second user is a member based on the received token and an email address associated with the response email message.   
     
     
         2 . The method of  claim 1 , further comprising transmitting a URL pay email message to the email address associated with the response email message, if processor determines that the second user is not a member. 
     
     
         3 . The method of  claim 1 , further comprising:
 processing the peer-to-peer e-commerce transaction if the processor determines that the second user is a member; and   transmitting, by the transmitter a notification that the peer-to-peer e-commerce transaction was successful.   
     
     
         4 . The method of  claim 1 , wherein the peer-to-peer e-commerce transaction is performed through a social network website. 
     
     
         5 . The method of  claim 1 , wherein the peer-to-peer e-commerce transaction is integrated into an email server. 
     
     
         6 . The method of  claim 1 , wherein the money request from the first user identifies a plurality of users from which money is requested. 
     
     
         7 . A method for peer-to-peer e-commerce transaction between a first user and a second user that is facilitated by a payment server, the method comprising:
 receiving, by a receiver, a money request from a first user, wherein the money request identifies a plurality of recipients from which money is requested;   determining, by a processor, whether each of the plurality of recipients are members; and   transmitting, by a transmitter, a plurality of money request email messages to the plurality of recipients, wherein each of the plurality of recipients that is determined to be a member receives an email message comprising an email targeted token and each of the plurality of recipients that is not determined to be a member receives an email message comprising an URL targeted token.   
     
     
         8 . The method of  claim 7 , further comprising receiving, by the receiver, a response email message to at least one of the plurality of money request email messages, wherein the response email message includes an email targeted token; and
 processing the e-commerce transaction based at least in part on the email targeted token and an email address associated with the response email message.   
     
     
         9 . The method of  claim 7 , further comprising receiving, by the receiver, a response message to at least one of the plurality of money request email messages, wherein the response email message includes an URL targeted token;
 registering at least on user associated with the response message; and   processing the e-commerce transaction based at least in part on the URL targeted token.   
     
     
         10 . The method of  claim 9 , wherein the response message is received via a web page. 
     
     
         11 . A system for peer-to-peer e-commerce transaction between a first user and a second user that is facilitated by a payment server, the system comprising:
 a receiver configured to receive a money request from a first user, wherein the money request identifies a second user from which money is requested;   a transmitter configured to transmit a money request email message to the second user, wherein the money request email includes a token;   the receiver further configured to receive a response email message to the money request email message, wherein the response email message includes the token; and   a processor configured to determine whether the second user is a member based on the received token and an email address associated with the response email message.   
     
     
         12 . The system of  claim 11 , wherein the transmitter is further configured to transmit a URL pay email message to the email address associated with the response email message, if processor determines that the second user is not a member. 
     
     
         13 . The system of  claim 11 , further comprising:
 the processor further configured to process the peer-to-peer e-commerce transaction if the processor determines that the second user is a member; and   the transmitter further configured to transmit a notification that the peer-to-peer e-commerce transaction was successful.   
     
     
         14 . The system of  claim 11 , wherein the peer-to-peer e-commerce transaction is performed through a social network website. 
     
     
         15 . The system of  claim 11 , wherein the peer-to-peer e-commerce transaction is integrated into an email server. 
     
     
         16 . The system of  claim 11 , wherein the money request from the first user identifies a plurality of users from which money is requested.