Multi-user content personalization

1 . A computer-implemented method comprising:

receiving, by a payment service system, from a first user device executing a payment application associated with the payment service system, a first request to personalize a first payment from a first payor to a payee;

receiving, by the payment service system, from a second user device executing the payment application, a second request to personalize a second payment from a second payor to the payee;

presenting, by the payment service system, to each of the first payor and the second payor and in respective instances of the payment application executing on the first user device and the second user device, a customization user interface from which the first payor and the second payor are able to customize a screen to be presented to the payee;

selectively enabling, by the payment service system, for the first payor and in the customization user interface, a functionality associated with customizing a first screen based on a first amount of the first payment, the functionality being disabled for the second payor based on a second amount of the second payment;

receiving, by the payment service system, from the first user device, the first screen customized by the first payor;

receiving, by the payment service system, from the second user device, a second screen customized by the second payor;

determining, by the payment service system, and using a trained artificial intelligence model, a sequence in which the first screen and the second screen are to be displayed to the payee;

combining, by the payment service system, the first screen and the second screen to generate combined output by stitching together the first screen and the second screen such that the first screen and the second screen are displayable in the sequence;

receiving, by the payment service system, an indication that the payee has opened the payment application on a third user device; and

in response to receiving the indication, causing, by the payment service system, the combined output to be displayed via a user interface of the payment application executing on the third user device, wherein the combined output is displayed by displaying the first screen and the second screen in the sequence.

2 . The computer-implemented method of claim 1 , further comprising:

determining, by the payment service system, that the first payment and the second payment are being sent to the same payee; and

associating, by the payment service system, the first payment with the second payment based at least in part on the determining that the first payment and the second payment are being sent to the same payee.

3 . The computer-implemented method of claim 1 , wherein:

the combining further comprises determining a first duration for displaying the first screen and a second duration for displaying the second screen;

the stitching further comprises stitching together the first screen and the second screen such that the first screen is displayable for the first duration and the second screen is displayable for the second duration; and

the combined output is displayed via the user interface by displaying the first screen for the first duration and displaying the second screen for the second duration.

4 . The computer-implemented method of claim 1 , further comprising:

determining, by the payment service system, a similarity metric associated with the first payment and the second payment;

determining, by the payment service system, that the similarity metric satisfies a threshold similarity; and

associating, by the payment service system, the first payment with the second payment based at least in part on the similarity metric satisfying the threshold similarity.

5 . The computer-implemented method of claim 1 , wherein the customization user interface presented to each of the first payor and the second payor is configured to recognize one or more gestures for customizing the first screen and the second screen with content items.

6 . A system comprising:

one or more processors; and

memory storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:

receiving, from a first user device executing a payment application, a first request to personalize a first payment from a first payor to a payee;

receiving, from a second user device executing the payment application, a second request to personalize a second payment from a second payor to the payee;

presenting, to the first payor via the payment application, a customization user interface from which the first payor is able to customize a first screen to be presented to the payee, wherein a personalized payment functionality is selectively enabled for the first payor;

presenting, to the second payor via the payment application, the customization user interface from which the second payor is able to customize a second screen to be presented to the payee, wherein the personalized payment functionality is disabled for the second payor;

receiving, from the first user device, the first screen customized by the first payor;

receiving, from the second user device, the second screen customized by the second payor;

determining, using a trained artificial intelligence model, at least one of:

a sequence in which the first screen and the second screen are to be displayed to the payee; or

respective durations for which the first screen and the second screen are to be displayed to the payee;

combining, based on at least one of the sequence or the respective durations, the first screen and the second screen to generate combined output;

receiving an indication that the payee has opened the payment application on a third user device; and

in response to receiving the indication, causing the combined output to be displayed via a user interface of the payment application executing on the third user device.

7 . The system of claim 6 , wherein:

the determining comprises determining the sequence;

the combining further comprises stitching together the first screen and the second screen such that the first screen and the second screen are displayable in the sequence; and

the combined output is displayed via the user interface by displaying the first screen and the second screen in the sequence.

8 . The system of claim 7 , wherein the sequence is determined based at least in part on at least one of:

a first timestamp associated with the receiving the first screen from the first user device and a second timestamp associated with the receiving the second screen from the second user device;

a first amount of the first payment and a second amount of the second payment; or

a first number of mutual connections of the first payor and the payee and a second number of mutual connections of the second payor and the payee.

9 . The system of claim 6 , wherein:

the determining comprises determining the respective durations as a first duration for displaying the first screen and a second duration for displaying the second screen;

the combining further comprises stitching together the first screen and the second screen such that the first screen is displayable for the first duration and the second screen is displayable for the second duration; and

the combined output is displayed via the user interface by displaying the first screen for the first duration and displaying the second screen for the second duration.

10 . The system of claim 9 , wherein the first duration and the second duration are determined based at least in part on at least one of:

a first timestamp associated with the receiving the first screen from the first user device and a second timestamp associated with the receiving the second screen from the second user device;

a first amount of the first payment and a second amount of the second payment; or

a first number of mutual connections of the first payor and the payee and a second number of mutual connections of the second payor and the payee.

11 . The system of claim 6 , wherein the personalized payment functionality is selectively enabled for the first payor and disabled for the second payor based at least in part on at least one of:

a first timestamp associated with the receiving the first screen from the first user device preceding a second timestamp associated with the receiving the second screen from the second user device;

a first amount of the first payment being greater than a second amount of the second payment; or

a first number of mutual connections of the first payor and the payee being greater than a second number of mutual connections of the second payor and the payee.

12 . The system of claim 6 , wherein the personalized payment functionality allows at least one of:

the first payor to customize the first screen with one or more premium content items that are unavailable to the second payor for customizing the second screen;

the first screen to be displayed via the user interface before the second screen is displayed via the user interface; or

the first screen to be displayed via the user interface for a first duration that is greater than a second duration for which the second screen is displayed via the user interface.

13 . The system of claim 6 , wherein:

the customization user interface is presented to each of the first payor and the second payor with an interactive element for customizing the first screen and the second screen with clips of audio content; and

the operations further comprise:

receiving a second indication that the first payor interacted with the interactive element; and

presenting, in the customization user interface displayed on the first user device, a list of audio content items available from a content item catalogue stored in a datastore.

14 . The system of claim 6 , wherein the customization user interface is presented to each of the first payor and the second payor with one or more interactive elements for providing a prompt to a generative artificial intelligence model to generate one or more content items for customizing the first screen and the second screen.

15 . The system of claim 6 , wherein:

the first request includes a destination identifier;

the second request includes the destination identifier;

the operations further comprise associating the first payment with the second payment based at least in part on the destination identifier being included in the first request and the second request; and

the combining is based at least in part on the associating the first payment with the second payment.

16 . A computer-implemented method comprising:

receiving, by a payment service system, from a first user device executing a payment application associated with the payment service system, a first request to personalize a first payment from a first payor to a payee;

receiving, by the payment service system, from a second user device executing the payment application, a second request to personalize a second payment from a second payor to the payee;

presenting, by the payment service system, to the first payor via the payment application, a customization user interface from which the first payor is able to customize a first screen to be presented to the payee, wherein a personalized payment functionality is selectively enabled for the first payor;

presenting, by the payment service system, to the second payor via the payment application, the customization user interface from which the second payor is able to customize a second screen to be presented to the payee, wherein the personalized payment functionality is disabled for the second payor;

receiving, by the payment service system, from the first user device, the first screen customized by the first payor;

receiving, by the payment service system, from the second user device, the second screen customized by the second payor;

determining, by the payment service system, and using a trained artificial intelligence model, at least one of:

a sequence in which the first screen and the second screen are to be displayed to the payee; or

respective durations for which the first screen and the second screen are to be displayed to the payee;

combining, by the payment service system, and based on at least one of the sequence or the respective durations, the first screen and the second screen to generate combined output;

receiving, by the payment service system, an indication that the payee has opened the payment application on a third user device; and

in response to receiving the indication, causing, by the payment service system, the combined output to be displayed via a user interface of the payment application executing on the third user device.

17 . The computer-implemented method of claim 16 , wherein:

the determining comprises determining;

the combining further comprises stitching together the first screen and the second screen such that the first screen and the second screen are displayable in the sequence; and

the combined output is displayed via the user interface by displaying the first screen and the second screen in the sequence.

18 . The computer-implemented method of claim 16 , wherein:

the determining comprises determining the respective durations as a first duration for displaying the first screen and a second duration for displaying the second screen;

the combining further comprises stitching together the first screen and the second screen such that the first screen is displayable for the first duration and the second screen is displayable for the second duration; and

the combined output is displayed via the user interface by displaying the first screen for the first duration and displaying the second screen for the second duration.

19 . The computer-implemented method of claim 16 , further comprising, in response to causing the combined output to be displayed via the user interface, creating, by the payment service system, a communication channel for the first payor, the second payor, and the payee to communicate as a group.

20 . The computer-implemented method of claim 16 , further comprising:

receiving, by the payment service system, from the third user device, a third request to share the first screen via a content platform;

removing, by the payment service system, from the first screen, at least one of an amount of the first payment or identifying information associated with the first payor to generate a modified first screen; and

posting, by the payment service system, the modified first screen to the content platform.