FACILITATING SENDING AND RECEIVING OF PAYMENTS USING MESSAGE-BASED CONTEXTUAL PROMPTS

摘要

The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. Additional implementations involve facilitating payment transaction by inferring payment events. Still further implementations involve facilitating payment transactions between groups of users. In addition to the foregoing, one or more implementations allow a user to initiate payment transactions without first providing a payment credential.

主权项

1. A method comprising:
analyzing, by at least one processor, one or more electronic messages exchanged between a user and one or more co-users; inferring, by the at least one processor, a payment event based on the analysis of the one or more electronic messages exchanged between the user and the one or more co-users; and initiating, by the at least one processor, a payment transaction based on the payment event.