EMAIL CLIENT MONEY EXCHANGE INTERFACE

1 . A computer-based method comprising:

displaying, by an email client computer, a transaction account interface of an email client application used by a first party who has a first online transaction account provided by a transaction service provider, wherein the transaction account interface is displayed in a toolbar of an email client application; and

receiving, by the computer, input from a user via the transaction account interface to send money from the first online transaction account to a second online transaction account provided by the transaction service provider.

2 . The method of claim 1 , further comprising:

in response to the receiving the input, by the computer, identifying a first set of parties, the first set of parties including parties in a contact list associated with the email client application that have online transaction accounts provided by the transaction service provider;

presenting, by the computer, a list of parties in the first set of parties; and

receiving, by the computer, a recipient selection of a second party, the first set of parties comprising the second party.

3 . The method of claim 2 , further comprising:

receiving, by the computer, a send money event via the transaction account interface;

in response to the receiving the send money event, by the computer, sending a money transfer instruction to the transaction service provider, the money transfer instruction instructing the transaction service provider to electronically transfer money from the first online transaction account to the second online transaction account, wherein the second online transaction account is associated with the second party.

4 . The method of claim 2 , further comprising:

receiving, by the computer, a request money event on the transaction account interface;

in response to the receiving the request money event, sending, by the computer, a money request instruction to the second party, the money request instruction inviting the second party to send a second money transfer instruction to the transaction service provider, the second money transfer instruction instructing the transaction service provider to transfer money from the second online transaction account the first online transaction account of the first party, wherein the second online transaction account is associated with the second party.

5 . The method of claim 4 , further comprising, by the computer and in response to the receiving the request money event, receiving a monetary amount input that specifies how much money the first party is requesting the second party to transfer to the first party.

6 . The method of claim 4 , wherein the sending the money request instruction to the second party comprises sending to the second party an email message that comprises features that enable the second party to send the second money transfer instruction directly from the email message.

7 . The method of claim 4 , further comprising receiving, by the computer, a memo input that indicates a reason why the first party is sending the money request instruction to the second party, wherein the sending the money request instruction comprises sending the memo input.

8 . The method of claim 2 , further comprising, by the computer, receiving a monetary amount input that specifies how much money the transaction service provider should transfer from the first online transaction account to the second online transaction account, wherein the sending the money transfer instruction comprises sending a value indicating the amount of money specified by the monetary amount input, wherein the second online transaction account is associated with the second party.

9 . The method of claim 2 , further comprising receiving, by the computer, sender identification input that includes a personal identification number (PIN) associated with the first party, wherein sending the money transfer instruction comprises sending the PIN.

10 . (canceled)

11 . The method of claim 1 , further comprising:

receiving, by the computer, a refer user event via the transaction account interface;

in response to receiving the refer user event, identifying, by the computer, a second set of parties, the second set of parties including parties in the contact list that do not have online transaction accounts provided by the transaction service provider;

presenting, by the computer, a list of parties in the second set of parties;

receiving, by the computer, a recipient selection event that indicates a second party who is in the second set of parties; and

sending, by the computer, a referral message to the second party that invites the second party to register for an online transaction account provided by the transaction service provider.

12 . The method of claim 11 , wherein the sending the referral message to the second party comprises sending an email message to the second party.

13 . The method of claim 11 , wherein the sending the referral message comprises sending information in the referral message that instructs the transaction service provider to electronically transfer money from the first online transaction account to the second online transaction account, wherein the second party registers for the second online transaction account in response to the referral message.

14 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by an email client computer, cause the computer-based system to perform operations comprising:

displaying, by the computer, a transaction account interface of an email client application used by a first party who has a first online transaction account provided by a transaction service provider, wherein the transaction account interface is displayed in a toolbar of an email client application; and

receiving, by the computer, input from a user via the transaction account interface to send money from the first online transaction account to a second online transaction account provided by the transaction service provider.

15 . The computer-readable storage medium of claim 14 , further comprising:

receiving, by the computer, a request money event on the transaction account interface;

in response to the receiving the request money event, receiving, by the computer, a second recipient selection event that indicates a second party who is a member of the first party; and

sending, by the computer, a money request instruction to the second party, the money request instruction inviting the second party to send a second money transfer instruction to the transaction service provider, the second money transfer instruction instructing the transaction service provider to transfer money from the second online transaction account to the first online transaction account, wherein the second online transaction account is associated with the second party.

16 . The computer-readable storage medium of claim 14 , further comprising:

receiving, by the computer, a refer user event on the transaction account interface;

in response to receiving the refer user event, identifying, by the computer, a second set of parties, the second set of parties including parties in the contact list that do not have online transaction accounts provided by the transaction service provider;

presenting, by the computer, a list of parties in the second set of parties;

receiving, by the computer, a second party selection event that indicates a third party who is in the second set of parties; and

in response to receiving the second party selection event, sending, by the computer, a referral message to the third party that invites the third party to register for an online transaction account provided by the transaction service provider.

17 . A system comprising:

an email client processor,

a tangible, non-transitory memory configured to communicate with the processor, the memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

displaying, by the processor, a transaction account interface of an email client application used by a first party who has a first online transaction account provided by a transaction service provider, wherein the transaction account interface is displayed in a toolbar of an email client application; and

receiving, by the processor, input from a user via the transaction account interface to send money from the first online transaction account to a second online transaction account provided the transaction service provider.

18 . The system of claim 17 , further comprising:

in response to receiving the input, automatically identifying a first set of parties, the first set of parties including parties in a contact list associated with the email client application that have online transaction accounts provided by the transaction service provider;

presenting a list of parties in the first set of parties; and,

receiving a recipient selection of a second party, the first set of parties comprising the second party.

19 . The system of claim 17 , further comprising:

receiving a send money event via the transaction account interface; and

in response to the receiving the send money event, sending a money transfer instruction to the transaction service provider, the money transfer instruction instructing the transaction service provider to electronically transfer money from the first online transaction account to the second online transaction account, wherein the second online transaction account is associated with the second party.

20 . The system of claim 18 , further comprising:

receiving a request money event on the transaction account interface; and

in response to the receiving the request money event, sending a money request instruction to the second party, the money request instruction inviting the second party to send a second money transfer instruction to the transaction service provider, the second money transfer instruction instructing the transaction service provider to transfer money from the second online transaction account the first online transaction account of the first party, wherein the second online transaction account is associated with the second party.