FACILITATING SENDING AND RECEIVING OF PEER-TO-BUSINESS PAYMENTS

摘要

The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

主权项

1. A method comprising:
receiving, at a client device of a user including at least one processor, a payment request message from a merchant to the user, the payment request message including a payment amount and a transaction identifier; providing, by the at least one processor, the payment request message within a messaging thread between the user and the merchant, the messaging thread being within a messaging user interface of a messaging application; receiving, by at least one processor, a selection by the user to pay the merchant the payment amount; sending, to one or more servers associated with the messaging application, a payment message including the payment amount and the transaction identifier and a message identifying the payment amount; and adding the message to the messaging thread between the user and the merchant.