Systems and methods for making person-to-person payments via mobile client application

Abstract

A payer user device includes a near field communication transceiver and a digital payment application configured to detect, via the near field communication transceiver, one or more nearby payee user devices, receive, via the near field communication transceiver, an anonymous tokenized identifier and an alias of a payee user device of the one or more nearby payee user devices that provides a provider computing system information to identify an anonymous account associated with one or more of the nearby payee user devices where the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device, and add the anonymous tokenized identifier to a stored list of payees on the payer user device where the anonymous tokenized identifier enables the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment.

What is claimed: 
     
         1 . A method comprising:
 detecting, by one or more processors of a payer user device utilizing a network interface circuit of the payer user device, one or more nearby payee user devices within a predetermined range;   receiving, by the one or more processors via the network interface circuit of the payer user device, an anonymous tokenized identifier and an alias of a payee user device of the one or more nearby payee user devices that provides a provider computing system information to identify an anonymous account associated with one or more of the nearby payee user devices, wherein the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device; and   adding, by the one or more processors of the payer user device, the anonymous tokenized identifier to a stored list of payees on the payer user device, wherein the anonymous tokenized identifier enables the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining, by the one or more processors of the payer user device, a communication signal strength between the payer user device and the one or more nearby payee user devices; and   displaying, by the one or more processors of the payer user device, an indication of the communication signal strength by a user interface of the payer user device.   
     
     
         3 . The method of  claim 1 , further comprising receiving, by the one or more processors of the payer user device, an input regarding a name, initials, or a picture as identification for the user of the payer user device. 
     
     
         4 . The method of  claim 3 , further comprising receiving, by the one or more processors of the payer user device, a selection of a payee user device to store a tokenized identifier for the payee associated with the payee user device. 
     
     
         5 . The method of  claim 3 , further comprising receiving, by the one or more processors of the payer user device, a selection to be visible or to be anonymous to other user devices. 
     
     
         6 . The method of  claim 1 , wherein the stored list of payees is stored on a mobile client application of the payer user device or on a server associated with the provider computing system. 
     
     
         7 . The method of  claim 1 , further comprising receiving, by the one or more processors of the payer user device, a selection of a payee from the stored list of payees to initiate a payment offer to the user of the payee user device. 
     
     
         8 . A payer user device comprising:
 a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device; and   a digital payment application communicatively coupled with the near field communication transceiver, the digital payment application configured to:
 detect, via the near field communication transceiver, one or more nearby payee user devices within a predetermined range; 
 receive, via the near field communication transceiver, an anonymous tokenized identifier and an alias of a payee user device of the one or more nearby payee user devices that provides a provider computing system information to identify an anonymous account associated with one or more of the nearby payee user devices, wherein the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device; and 
 add, via the digital payment application, the anonymous tokenized identifier to a stored list of payees on the payer user device, wherein the anonymous tokenized identifier is configured to enable the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment. 
   
     
     
         9 . The payer user device of  claim 8 , wherein the digital payment application is configured to:
 detect, via the near field communication receiver, a communication signal strength between the payer user device and the one or more nearby payee user devices; and   generate, via the user interface of the payer user device, a list of nearby payee user devices ordered from greatest signal strength to lowest signal strength.   
     
     
         10 . The payer user device of  claim 8 , wherein the digital payment application is configured to receive, via the user interface of the payer user device, an input regarding a name, initials, or picture as identification for the user of the payer user device. 
     
     
         11 . The payer user device of  claim 8 , wherein the digital payment application is configured to receive a selection of additional payee user devices to store tokenized identifiers for payees associated with the additional one or more payee user devices. 
     
     
         12 . The payer user device of  claim 8 , wherein the digital payment application is configured to receive, via the user interface of the payer user device, a selection to be visible or to be anonymous in communications to other user devices. 
     
     
         13 . The payer user device of  claim 8 , wherein the digital payment application is configured to receive, via the user interface of the payer user device, a selection of a payee from the stored list of payees to initiate a payment offer to the user of the payee user device. 
     
     
         14 . A method comprising:
 detecting, by one or more processors of a payee user device utilizing a network interface circuit of the payee user device, one or more nearby payer user devices within a predetermined range;   providing, by the one or more processors via the network interface circuit of the payee user device, a payment request, an anonymous tokenized identifier, and an alias of the payee user device to a payer user device of the one or more nearby payer user devices that provides a provider computing system information to identify an anonymous account associated with payee user device, wherein the anonymous tokenized identifier and the alias enable a user associated with the anonymous account to maintain anonymity with a user of the payer user device; and   receiving, by the one or more processors via the network interface circuit of the payee user device, an indication from the payer user device of acceptance to transfer an amount indicated in the payment request, wherein the anonymous tokenized identifier enables the payer user device to provide the anonymous tokenized identifier to the provider computing system for payment of the transfer amount.   
     
     
         15 . The method of  claim 14 , further comprising:
 determining, by the one or more processors of the payee user device, a communication signal strength between the payee user device and the one or more nearby payer user devices; and   displaying, by the one or more processors of the payee user device, an indication of the communication signal strength by a user interface of the payee user device.   
     
     
         16 . The method of  claim 15 , further comprising receiving a selection from the payee user device of one or more nearby payer user devices to request payment, wherein the selection. 
     
     
         17 . The method of  claim 14 , further comprising receiving, by the one or more processors of the payee user device, a selection of a plurality of nearby payer user devices to request a plurality of payments. 
     
     
         18 . The method of  claim 17 , wherein an overall payment request is divided into individual payment requests received by the plurality of nearby payer user devices to pay for a shared expense. 
     
     
         19 . The method of  claim 14 , further comprising receiving, by the one or more processors of the payee user device, an input regarding a name, initials, or picture as identification for the user of the payee user device. 
     
     
         20 . The method of  claim 14 , further comprising receiving, by the one or more processors of the payee user device, an input of a selection to be visible or to be anonymous in communications to other user devices.