P2P PAYMENTS VIA INTEGRATED 3RD PARTY APIs

Abstract

The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.

What is claimed is: 
     
         1 . A method, comprising:
 storing a mapping between sender credentials of a sender used to authenticate the sender for logging into an electronic banking platform and a plurality of person-to-person (P2P) sender credentials of the sender used to authenticate the sender for logging into respective ones of a plurality of electronic P2P transfer platforms;   authenticating the sender for logging into the electronic banking platform using the sender credentials;   authenticating the sender for logging into each of the plurality of electronic P2P transfer platforms according to a corresponding one of the plurality of P2P sender credentials determined based on the same sender credentials and the mapping, wherein authenticating the sender for the electronic banking platform and authenticating the sender for each of the plurality of electronic P2P transfer platforms occur simultaneously.   
     
     
         2 . The method of  claim 1 , further comprising:
 receiving the sender credentials; and   determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping.   
     
     
         3 . The method of  claim 2 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using the sender credentials. 
     
     
         4 . The method of  claim 2 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using an identifier of the sender. 
     
     
         5 . The method of  claim 1 , wherein storing the mapping comprises storing in a memory a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender, wherein the plurality of P2P sender credentials are obfuscated or encrypted. 
     
     
         6 . The method of  claim 1 , further comprising:
 sending P2P sender credentials of the plurality of P2P sender credentials to a corresponding electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   receiving from the corresponding electronic P2P transfer platform an authentication confirmation; and   in response to receiving the authentication confirmation, storing the P2P sender credentials to map to the sender credentials.   
     
     
         7 . The method of  claim 1 , further comprising:
 determining an identifier of the sender for an electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   storing the identifier as P2P sender credentials of the plurality of P2P sender credentials for the electronic P2P transfer platform.   
     
     
         8 . At least one non-transitory computer-readable medium having computer-readable instructions such that, when executed, causes at least one processor of a provider institution computing system to perform an electronic transfer from a sender to a recipient using an electronic banking platform provided by the provider institution computing system, the at least one processor is configured to:
 store a mapping between sender credentials of a sender used to authenticate the sender for logging into an electronic banking platform and a plurality of person-to-person (P2P) sender credentials of the sender used to authenticate the sender for logging into respective ones of a plurality of electronic P2P transfer platforms;   authenticate the sender for logging into the electronic banking platform using the sender credentials;   authenticate the sender for logging into each of the plurality of electronic P2P transfer platforms according to a corresponding one of the plurality of P2P sender credentials determined based on the same sender credentials and the mapping, wherein authenticating the sender for the electronic banking platform and authenticating the sender for each of the plurality of electronic P2P transfer platforms occur simultaneously.   
     
     
         9 . The non-transitory computer-readable medium of  claim 8 , the at least one processor is further configured to:
 receiving the sender credentials; and   determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping.   
     
     
         10 . The non-transitory computer-readable medium of  claim 9 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using the sender credentials. 
     
     
         11 . The non-transitory computer-readable medium of  claim 9 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using an identifier of the sender. 
     
     
         12 . The non-transitory computer-readable medium of  claim 8 , wherein storing the mapping comprises storing in a memory a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender, wherein the plurality of P2P sender credentials are obfuscated or encrypted. 
     
     
         13 . The non-transitory computer-readable medium of  claim 8 , the at least one processor is further configured to:
 send P2P sender credentials of the plurality of P2P sender credentials to a corresponding electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   receive from the corresponding electronic P2P transfer platform an authentication confirmation; and   in response to receiving the authentication confirmation, store the P2P sender credentials to map to the sender credentials.   
     
     
         14 . The non-transitory computer-readable medium of  claim 8 , the at least one processor is further configured to:
 determine an identifier of the sender for an electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   store the identifier as P2P sender credentials of the plurality of P2P sender credentials for the electronic P2P transfer platform.   
     
     
         15 . A system, comprising:
 at least one processing circuit each having at least one processor and at least one memory, wherein the at least one processing circuit is configured to:
 store a mapping between sender credentials of a sender used to authenticate the sender for logging into an electronic banking platform and a plurality of person-to-person (P2P) sender credentials of the sender used to authenticate the sender for logging into respective ones of a plurality of electronic P2P transfer platforms; 
 authenticate the sender for logging into the electronic banking platform using the sender credentials; 
 authenticate the sender for logging into each of the plurality of electronic P2P transfer platforms according to a corresponding one of the plurality of P2P sender credentials determined based on the same sender credentials and the mapping, wherein authenticating the sender for the electronic banking platform and authenticating the sender for each of the plurality of electronic P2P transfer platforms occur simultaneously. 
   
     
     
         16 . The system of  claim 15 , at least one processing circuit is further configured to:
 receiving the sender credentials; and   determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping.   
     
     
         17 . The system of  claim 16 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using the sender credentials. 
     
     
         18 . The system of  claim 16 , wherein determining the corresponding one of the plurality of P2P sender credentials mapped to the sender credentials using the stored mapping comprises querying a mapping table comprising the mapping between the sender credentials of the sender and the plurality of P2P sender credentials of the sender using an identifier of the sender. 
     
     
         19 . The system of  claim 15 , at least one processing circuit is further configured to:
 send P2P sender credentials of the plurality of P2P sender credentials to a corresponding electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   receive from the corresponding electronic P2P transfer platform an authentication confirmation; and4   in response to receiving the authentication confirmation, store the P2P sender credentials to map to the sender credentials.   
     
     
         20 . The system of  claim 15 , at least one processing circuit is further configured to:
 determine an identifier of the sender for an electronic P2P transfer platform of the plurality of electronic P2P transfer platforms;   store the identifier as P2P sender credentials of the plurality of P2P sender credentials for the electronic P2P transfer platform.