Peer to peer email based financial transactions

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.

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.