Systems and methods for facilitating person-to-person payments

A system, comprising:

• at least one communications interface configured to (i) receive a request on behalf of a payer to pay a payee, wherein the request identifies the payee via a first contact identifier, (ii) transmit, to the payee utilizing the first contact identifier, an invitation for the payee to register with a payment service provider and receive a payment corresponding to the request, wherein the invitation comprises a link to a site of the payment service provider and an indicator of stored information associated with the request, and (iii) receive, based at least in part upon a payee selection of the link, identifying information for the payee other than the first contact identifier and the indicator of the stored information;
• and
• at least one processor configured to (i) search a data repository of registered payees via the first contact identifier, (ii) upon failing to locate the payee in the search, direct the transmission of the invitation and store the information associated with the request pending registration by the payee, (iii) determine, utilizing the received identifying information, a pre-existing registration of the payee with the payment service provider, wherein the pre-existing registration is associated with a second contact identifier and a financial account at a financial institution for receiving funds, (iv) access, utilizing the received indicator, the stored information, and (v) direct the payment to the payee based on the stored information, wherein the payment comprises crediting funds into the financial account.

A method, comprising:

• receiving, by a payment service provider system comprising one or more computers, a first request on behalf of a payee to transmit a second request for a payment from a payer, wherein the first request identifies the payer via a first contact identifier;
• upon failing to locate the payer in a data repository of registered payers via the first contact identifier, transmitting, to the payer by the payment service provider system and utilizing the first contact identifier, an invitation for the payer to register with the payment service provider and the second request, wherein information associated with the first request is stored pending registration by the payer, and wherein the invitation comprises a link to a site of the payment service provider and an indicator of the stored information;
• receiving, by the payment service provider system and based at least in part upon a payer selection of the link, (i) identifying information for the payer other than the first contact identifier and (ii) the indicator of the stored information;
• determining, by the payment service provider system utilizing the received identifying information, a pre-existing registration of the payer with the payment service provider, wherein the pre-existing registration is associated with a second contact identifier and a financial account of the payer at a payer financial institution;
• accessing, by the payment service provider system utilizing the received indicator, the stored information;
• and
• directing, by the payment service provider system, the payment to the payee based on the stored information, wherein the payment comprises debiting funds from the financial account.