| 摘要 |
Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, a payment proxy having a particular syntax, the syntax including a currency indicator preceding one or more alphanumeric characters. The payment proxy having the syntax indicates an intent of the sender to transfer money to a recipient associated with that payment proxy. The technology can include systems and methods of transferring money by use of a payment proxy within the context of a forum (e.g., social networking platform, microblog, blog, application, etc.). Messages of users in the forum can be monitored to detect for any user's intent to transfer money to a recipient. For example, forum messages can be parsed to identify the syntax carried by a user input in a forum message. |
| 主权项 |
1. A method of transferring money to a recipient, the method facilitated by a payment service system associated with a payment service, comprising:
monitoring, by a computer system associated with a forum, user messages on the forum to detect an indication of an intent to transfer money to a recipient, the indication of the intent detected based on a parsing of the user messages to identify a syntax, wherein the syntax includes a monetary indicator preceding an alphanumeric character; receiving, by the payment service system and from the computer system associated with the forum, a user message from the user messages on the forum, that includes a first string of characters having the syntax, the first string of characters including the monetary indicator preceding one or more alphabetic characters, the first string of characters representative of a payment proxy, wherein the payment proxy is included in the user message by a sender to indicate an intent to transfer money to a recipient associated with the payment proxy; identifying, by the payment service system, the payment proxy based on the first string of characters having the syntax, said identifying including accessing a database associated with the payment service system to identify the payment proxy corresponding to the first string of characters; identifying, by the payment service system, based on a stored association between the identified payment proxy and the recipient financial account, a recipient financial account associated with the identified payment proxy, the stored association established in a registration of the identified payment proxy with the payment service system; and initiating, by the payment service system, a transfer of a payment amount from a sender financial account associated with the sender to the recipient financial account. |
