Systems and methods for facilitating financial transactions over a network

A method comprising:

• processing, by a hardware processor of a payment provider server, a financial transaction corresponding to an invoice bill when a user drags-and-drops an image of an invoice bill to a service icon installed on or in a user device by:
• receiving a purchase request for the invoice bill at the payment provider server from the user device over a network, wherein the purchase request includes the image of the invoice bill generated by a merchant of at least one item for purchase, wherein the purchase request further includes user information and merchant information;
• verifying the user information including accessing a user account corresponding to the user;
• determining a payment method of the invoice bill using the user account;
• processing the financial transaction using the image of the invoice bill, the merchant information, and the payment method without the user providing user account information directly to the merchant;
• and
• notifying the merchant that the financial transaction is complete.

A non-transitory computer readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

• processing a financial transaction corresponding to an invoice bill when a user drags-and-drops an image of an invoice bill to a service icon installed on or in a user device by:
• receiving a purchase request for the invoice bill at the payment provider from the user device over a network, wherein the purchase request includes the image of the invoice bill generated by a merchant of at least one item for purchase, wherein the purchase request further includes user information and merchant information;
• verifying the user information including accessing a user account corresponding to the user;
• determining a payment method of the invoice bill using the user account;
• processing the financial transaction using the image of the invoice bill, the merchant information, and the payment method without the user providing user account information directly to the merchant;
• and
• notifying the merchant that the financial transaction is complete.