Real-time account-to-account payment

1. A computer-implemented method executed by at least one processor, the method comprising:

receiving, by the at least one processor, first transaction data for a first transaction that is to be executed by a computer-implemented person-to-person (P2P) payment system, the first transaction data comprising:

a first unique account identifier, wherein the first unique account identifier comprises an e-mail address uniquely identifying a financial account of a first user among a plurality of financial accounts of the first user, wherein the e-mail address is generated by a financial institution holding the financial account, and wherein the e-mail address is associated with an e-mail inbox that is specific to the financial account, and

a first amount to be transferred to the financial account from a second user;

receiving, by the at least one processor, second transaction data for a second transaction that is to be executed by the computer-implemented P2P payment system, the second transaction data comprising:

the first unique account identifier, and

a second amount to be transferred to the financial account from a third user;

processing, by the at least one processor, the first transaction data to execute the first transaction and the second transaction data to execute the second transaction; and

transmitting, by the at least one processor, notifications to the first user, the second user, and the third user, wherein transmitting the notifications comprises:

transmitting a first notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the first notification provides information regarding the first transaction, and

transmitting a second notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the second notification provides information regarding the second transaction.

2. The method of claim 1 , wherein the first unique identifier comprises a hash value, and wherein processing the first transaction data comprises validating the first transaction at least partly based on the hash value.

3. The method of claim 1 , wherein the first transaction data further comprises a second unique account identifier uniquely identifying a financial account of the second user among a plurality of financial accounts of the second user.

4. The method of claim 1 , wherein the first transaction data is provided by the second user using a mobile application of the P2P system executing on a computing device of the second user.

5. The method of claim 1 , wherein the e-mail address comprises:

a first portion indicating a name of the user,

a second portion indicating the financial account, and

a third portion indicating the financial institution.

6. A system comprising:

a data store for storing data; and

at least one processor configured to interact with the data store, the at least one processor being further configured to execute computer-readable instructions to perform operations comprising:

receiving first transaction data for a first transaction that is to be executed by a computer-implemented person-to-person (P2P) payment system, the first transaction data comprising:

a first unique account identifier, wherein the first unique account identifier comprises an e-mail address uniquely identifying a financial account of a first user among a plurality of financial accounts of the first user, wherein the e-mail address is generated by a financial institution holding the financial account, and wherein the e-mail address is associated with an e-mail inbox that is specific to the financial account, and

a first amount to be transferred to the financial account from a second user;

receiving second transaction data for a second transaction that is to be executed by the computer-implemented P2P payment system, the second transaction data comprising:

the first unique account identifier, and

a second amount to be transferred to the financial account from a third user;

processing the first transaction data to execute the first transaction and the second transaction data to execute the second transaction; and

transmitting notifications to the first user, the second user, and the third user, wherein transmitting the notifications comprises:

transmitting a first notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the first notification provides information regarding the first transaction, and

transmitting a second notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the second notification provides information regarding the second transaction.

7. The system of claim 6 , wherein the first unique identifier comprises a hash value, and wherein processing the first transaction data comprises validating the first transaction at least partly based on the hash value.

8. The system of claim 6 , wherein the first transaction data further comprises a second unique account identifier uniquely identifying financial account of the second user among a plurality of financial accounts of the second user.

9. The system of claim 6 , wherein the first transaction data is provided by the second user using a mobile application of the P2P system executing on a computing device of the second user.

10. A non-transitory computer-readable storage medium coupled to one or more processors and having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:

receiving first transaction data for a first transaction that is to be executed by a computer-implemented person-to-person (P2P) payment system, the transaction data comprising:

a first unique account identifier, wherein the first unique account identifier comprises an e-mail address uniquely identifying a financial account of a first user among a plurality of financial accounts of the first user, wherein the e-mail address is generated by a financial institution holding the financial account, and wherein the e-mail address is associated with an e-mail inbox that is specific to the financial account, and

a first amount to be transferred to the financial account from a second user;

receiving second transaction data for a second transaction that is to be executed by the computer-implemented P2P payment system, the second transaction data comprising:

the first unique account identifier, and

a second amount to be transferred to the financial account from a third user;

processing the first transaction data to execute the first transaction and the second transaction data to execute the second transaction; and

transmitting notifications to the first user, the second user, and the third user, wherein transmitting the notifications comprises:

transmitting a first notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the first notification provides information regarding the first transaction, and

transmitting a second notification to the e-mail inbox specific to the financial account using the e-mail address, wherein the second notification provides information regarding the second transaction.

11. The computer-readable storage medium of claim 10 , wherein the first unique identifier comprises a hash value, and wherein processing the first transaction data comprises validating the first transaction at least partly based on the hash value.

12. The computer-readable storage medium of claim 10 , wherein the first transaction data further comprises a second unique account identifier uniquely identifying a financial account of the second user among a plurality of financial accounts of the second user.

13. The computer-readable storage medium of claim 10 , wherein the first transaction data is provided by the second user using a mobile application of the P2P system executing on a computing device of the second user.