MONEY TRANSFER BY USE OF A SYNTAX

1 . A method of transferring money from a sender to a recipient by use of a payment proxy, comprising:

receiving, at a messaging application executing on a sender device associated with a sender, a message submitted by the sender at the sender device;

parsing, at the messaging application, the message to detect a particular syntax, the particular syntax including a monetary indicator preceding a numeric character, the particular syntax specifying an indication of a monetary amount;

responsive to detection of the particular syntax, transmitting, by the messaging application, a notification to a payment service application executing on the sender device using a first application programming interface (API) associated with the payment service application;

based on the notification, transmitting, by the payment service application, a request for money transfer to a payment service system using a second application programming interface (API) associated with the payment service system, the request for money transfer including recipient information associated with a TO field of the message, sender information associated with a FROM field of the message, and content information associated with a body of the message;

identifying, by the payment service system, a recipient financial account associated with the recipient using the recipient information received in the request for money transfer, wherein the recipient financial account is identified based on association data specifying a first association between the recipient financial account and the recipient, the association data stored in a database associated with the payment service system;

identifying, by the payment service system, a sender financial account associated with the sender using the sender information received in the request for money transfer, wherein the sender financial account is identified based on the association data, the association data specifying a second association between the sender financial account and the sender;

determining, by the payment service system, a payment amount for transfer to the recipient based on the content information received in the request for money transfer; and

initiating, by the payment service system, a transfer of the payment amount from the sender financial account to the recipient financial account.

2 . The method of claim 1 , further comprising:

transmitting, by the payment service system and through the second API, a confirmation message to the payment service application on the sender device for transmission to the messaging application via the first API, the confirmation message including a confirmation link to prompt the sender at the messaging application to confirm the transfer of the payment amount; and

receiving, by the payment service system, an indication of user engagement with the confirmation link, wherein the transfer of the payment amount is initiated responsive to the received indication of user engagement.

3 . The method of claim 1 , further comprising:

identifying, by the payment service system, an identifier associated with the recipient based on the recipient information received in the request for money transfer, the identifier including any of a recipient phone number, a recipient email address, or a recipient username associated with the messaging application; and

identifying, by the payment service system, the recipient financial account associated with the identifier based on the first association, wherein the first association is established in a registration of the recipient financial account with the payment service system.

4 . The method of claim 1 , further comprising:

identifying, by the payment service system, an identifier associated with the sender based on the sender information received in the request for money transfer, the identifier including any of a sender phone number, a sender email address, or a sender username associated with the messaging application;

identifying, by the payment service system, the sender financial account associated with the identifier based on the second association, wherein the second association is established in a registration of the sender financial account with the payment service system.

5 . A method, comprising:

receiving, by a payment service system, at least a portion of a message from a sender device associated with a sender, the message originating from a messaging application on the sender device and forwarded to the payment service system based on a detection of a syntax associated with an input included in the message, wherein the syntax is indicative of an intent to transfer money to a recipient

determining, by the payment service system, a payment amount based on said at least portion of the message received, said at least portion including the input;

identifying, by the payment service system, a recipient financial account associated with the recipient using said at least portion of the message received; and

initiating, by the payment service system, a transfer of the payment amount to the recipient financial account.

6 . The method of claim 5 , wherein the syntax includes a monetary indicator preceding a numeric character.

7 . The method of claim 5 , wherein said at least portion of the message includes sender information associated with the sender of the message, the method further comprising:

identifying, by the payment service system, an identifier associated with the sender based on the sender information;

identifying, by the payment service system, a sender financial account associated with the identifier based on a stored association between the sender financial account and the identifier, wherein the stored association is established in a registration of the sender financial account with the payment service system.

8 . The method of claim 7 , wherein the identifier includes any of a phone number, an email address, or a username registered with the messaging application.

9 . The method of claim 5 , wherein said at least portion of the message includes recipient information associated with the recipient of the message, the method further comprising:

identifying, by the payment service system, an identifier associated with the recipient based on the recipient information;

identifying, by the payment service system, the recipient financial account associated with the identifier based on a stored association between the recipient financial account and the identifier, wherein the stored association is established in a registration of the recipient financial account with the payment service system.

10 . The method of claim 5 , further comprising:

establishing communication links, by the payment service system, with the sender device to transmit a confirmation message, the confirmation message including a confirmation link; and

receiving, by the payment service system, an indication of user engagement with the confirmation link.

11 . The method of claim 10 , wherein the indication of user engagement includes submission of sender financial account information associated with the sender financial account, and wherein the transfer of the payment amount is initiated responsive to the received indication of user engagement.

12 . The method of claim 10 , wherein the indication of user engagement includes submission of a confirmation of the transfer of the payment amount, and wherein the transfer of the payment amount is initiated responsive to the received indication of user engagement.

13 . The method of claim 5 , wherein the input includes a monetary indicator and one or more numeric characters, said input indicative of the payment amount.

14 . The method of claim 5 , wherein the sender device is a mobile device or a conventional processing device.

15 . A payment service system comprising:

a processor;

a communications module; and

a non-transitory computer-readable storage medium storing a set of instructions including:

instructions for receiving, from a messaging application system via the communications module, at least a portion of a message that includes an input having a syntax, the message originating from a messaging application associated with the messaging application system, the messaging application installed on a sender device associated with a sender, wherein the messaging application system forwards said at least portion of the message to the payment service system responsive to detection of the syntax upon parsing the message, the syntax indicative of an intent to transfer money to a recipient;

instructions for identifying a recipient financial account associated with the recipient based on the message;

instructions for establishing communication links, via the communications module and through the messaging application, with the sender device to transmit a confirmation message, the confirmation message including a confirmation link;

instructions for receiving an indication of user engagement with the confirmation link; and

instructions for initiating, based on the received indication of user engagement, a transfer of a payment amount to the recipient financial account.

16 . The payment service system of claim 15 , wherein the syntax includes a monetary indicator preceding a numeric character.

17 . The payment service system of claim 15 , wherein the indication of user engagement includes a submission, from the sender, of a confirmation of the transfer of the payment amount, and wherein the transfer of the payment amount is initiated responsive to the received indication of user engagement.

18 . The payment service system of claim 15 , wherein the instructions further comprise:

instructions for identifying a first identifier associated with the sender based on sender information included in said at least portion of the message received from the messaging application system;

instructions for identifying a sender financial account associated with the first identifier based on a first stored association between the sender financial account and the first identifier, wherein the first stored association is established in a registration of the sender financial account with the payment service system;

instructions for identifying a second identifier associated with the recipient based on recipient information included in said at least portion of the message received from the messaging application system; and

instructions for identifying the recipient financial account associated with the second identifier based on a second stored association between the recipient financial account and the second identifier, wherein the second stored association is established in a registration of the recipient financial account with the payment service system.

19 . The payment service system of claim 18 , wherein each of the first and second identifiers includes any of a phone number, an email address, or a username associated with the messaging application system.

20 . The payment service system of claim 15 , wherein said at least portion of the message includes recipient information associated with a TO field of the message, sender information associated with a FROM field of the message, and content information associated with a body of the message, wherein the instructions further comprise:

instructions for determining the payment amount based on the content information, the content information including the input that is indicative of the payment amount.

21 . A non-transitory computer readable medium storing a program causing a computer to execute a process of transferring money by use of a payment proxy, the process comprising:

receiving at least a portion of a message from a payment service application executing on a sender device associated with a sender, wherein the message originates from an input by the sender into a messaging application on the sender device, the messaging application configured to communicate said portion of the message to the payment service application responsive to detection of a syntax upon parsing the message, wherein the syntax is indicative of an intent to transfer money to a recipient;

identifying a recipient financial account associated with the recipient, the recipient identified based on the portion of the message;

identifying a payment amount based on the portion of the message; and

initiating a transfer of the payment amount to the recipient financial account.

22 . The non-transitory computer readable medium of claim 21 , wherein the syntax includes a monetary indicator preceding a numeric character.

23 . The non-transitory computer readable medium of claim 21 , wherein the input includes a monetary indicator and one or more numeric characters, wherein the portion of the message includes a parsed numeric value associated with the one or more numeric characters, wherein the payment amount is determined based on the parsed numeric value.

24 . The non-transitory computer readable medium of claim 21 , wherein the portion of the message includes sender information associated with the message and recipient information associated with the message, and wherein the process further comprises:

identifying a first identifier associated with the sender based on the sender information;

identifying the sender financial account associated with the first identifier based on a stored association between the sender financial account and the first identifier;

identifying a second identifier associated with the recipient based on the recipient information; and

identifying the recipient financial account associated with the recipient identifier based on a stored association between the recipient financial account and the recipient identifier.

25 . The non-transitory computer readable medium of claim 24 , wherein each of the first and second identifiers is any of an email address, a phone number, a user account, an IP address, a device ID, an application ID, or a biometric identifier.

26 . A system for transferring money using a payment proxy, comprising:

a user device associated with a sender, wherein the user device is configured to

receive, at a messaging application executing on the user device, a message submitted by the sender,

parse, at the messaging application, the message to detect a particular syntax, the particular syntax including a monetary indicator that precedes a numeric character, the particular syntax indicative of a monetary amount,

responsive to detection of the particular syntax, transmit, by the messaging application, a notification to a payment service application executing on the user device using a first application programming interface (API) associated with the payment service application, and

based on the notification, transmit, by the payment service application, a request for money transfer to a payment service system using a second application programming interface (API) associated with the payment service system, the request for money transfer including recipient information associated with a TO field of the message, sender information associated with a FROM field of the message, and content information associated with a body of the message; and

the payment service server configured to facilitate transfers of money, wherein the payment service server is configured to

identify a recipient financial account associated with a recipient using the recipient information received in the request for money transfer, wherein the recipient financial account is identified based on association data specifying a first association between the recipient financial account and the recipient, the association data stored in a database accessible to the payment service server,

identify a sender financial account associated with the sender using the sender information received in the request for money transfer, wherein the sender financial account is identified based on the association data, the association data specifying a second association between the sender financial account and the sender;

determine a payment amount for transfer to the recipient based on the content information received in the request for money transfer; and

initiate a transfer of the payment amount from the sender financial account to the recipient financial account.

27 . The system of claim 26 , wherein the payment service server is further configured to:

transmit, through the second API, a confirmation message to the payment service application on the sender device for transmission to the messaging application via the first API, the confirmation message including a confirmation link to prompt the sender to confirm the transfer of the payment amount at the messaging application; and

receive, from the user device, an indication of user engagement with the confirmation link, wherein the transfer of the payment amount is initiated responsive to the received indication of user engagement.

28 . The system of claim 26 , wherein the payment service server is further configured to:

identify an identifier associated with the recipient based on the recipient information received in the request for money transfer, the identifier including any of a recipient phone number, a recipient email address, or a recipient username associated with the messaging application; and

identify the recipient financial account associated with the identifier based on the first association, wherein the first association is established in a registration of the recipient financial account with the payment service system.

29 . The system of claim 26 , wherein the payment service server is further configured to:

identify an identifier associated with the sender based on the sender information received in the request for money transfer, the identifier including any of a sender phone number, a sender email address, or a sender username associated with the messaging application; and

identify the sender financial account associated with the identifier based on the second association, wherein the second association is established in a registration of the sender financial account with the payment service system.

30 . A method of transferring money using a payment proxy, comprising:

receiving, at a messaging application executing on a user device associated with a sender, a message submitted by the sender;

parsing, at the messaging application, the message to detect a particular syntax that includes a monetary indicator preceding a numeric character, wherein the particular syntax is indicative of a monetary amount;

responsive to detecting the particular syntax,

transmitting, by the messaging application, a notification to a payment service application executing on the user device;

based on the notification,

transmitting, by the payment service application, a transfer request to a payment service system, wherein the transfer request includes recipient information, sender information, and content information extracted from the message;

causing the payment service system to identify a recipient financial account associated with a recipient of the message based on the recipient information;

causing the payment service system to identify a sender financial account associated with the sender of the message based on the sender information;

causing the payment service system to identify a payment amount for transfer based on the content information;

receiving, at the payment service application, a confirmation message that includes a confirmation link;

forwarding, by the payment service application to the messaging application, the confirmation message for review by the sender, wherein the confirmation message prompts the sender to confirm a transfer of the payment amount; and

transmitting, by the payment service application, an indication of user engagement with the confirmation link to the payment service system, wherein the payment service system initiates the transfer in response to receiving the indication.

31 . The method of claim 30 , wherein said transmitting of the notification is performed using a first application programming interface (API) associated with the payment service application.

32 . The method of claim 31 , wherein said transmitting of the transfer request is performed using a second application programming interface (API) associated with the payment service system.

33 . The method of claim 30 , wherein the recipient information is extracted from a TO field of the message, wherein the sender information is extracted from a FROM field of the message, and wherein the content information is extracted from a body of the message.

34 . The method of claim 30 , wherein the payment service system identifies the recipient financial account based on a first identifier included in the recipient information.

35 . The method of claim 34 , wherein the payment service system identifies the sender financial account based on a second identifier included in the sender information.

36 . The method of claim 35 , wherein each of the first and second identifiers includes a phone number, an email address, an Internet Protocol address, a user device identifier, an application identifier, a user account identifier, or a biometric identifier.

37 . The method of claim 30 , wherein the user device is a mobile device or a conventional processing device.