DYNAMIC FINANCIAL PROTOCOL

1 . A computer system for generating a dynamic financial protocol, comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, cause the computer system to:

receive a request for a financial transaction from a user;

validate information associated with the user, including Know Your Customer (KYC) details about the user;

generate a financial identifier for the financial transaction, wherein the financial identifier is a global unique identifier for the financial transaction;

generate a message in accordance with the dynamic financial protocol, wherein the message includes a fixed part, a configuration part, and a dynamic part, wherein:

the fixed part includes the user's KYC details, an account of the user, and the financial identifier;

the configuration part includes account details of a recipient; and

the dynamic part is a multidimensional array that includes additional transaction details, wherein the multidimensional array comprises nested arrays being variable in length and content based upon a type of the financial transaction; and

process the financial transaction initiated by the user based on validation of the recipient using the financial identifier.

2 . The computer system of claim 1 , wherein the configuration part of the message further includes: a location of a client device of the user, and device data associated with the client device.

3 . The computer system of claim 2 , comprising further instructions which, when executed by the one or more processors, cause the computer system to restrict the financial transaction based upon the location of the client device.

4 . The computer system of claim 1 , wherein the configuration part of the message further includes a payment channel for the financial transaction.

5 . The computer system of claim 1 , wherein the additional transaction details of the dynamic part include subscription information associated with the user.

6 . (canceled)

7 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, cause the computer system to:

send the message from a client device of the user to a device of the recipient; and

receive an acknowledgement of the message from the device of the recipient.

8 . The computer system of claim 7 , comprising further instructions which, when executed by the one or more processors, cause the computer system to validate the financial transaction using device details from the recipient.

9 . The computer system of claim 8 , wherein the device details include a location of the recipient.

10 . The computer system of claim 1 , wherein the financial identifier is generated based on a combination of the KYC details and the account of the user.

11 . A method for generating a dynamic financial protocol, comprising:

receiving a request for a financial transaction from a user;

validating information associated with the user, including Know Your Customer (KYC) details about the user;

generating a financial identifier for the financial transaction, wherein the financial identifier is a global unique identifier for the financial transaction;

generating a message in accordance with the dynamic financial protocol, wherein the message includes a fixed part, a configuration part, and a dynamic part, wherein:

the fixed part includes the user's KYC details, an account of the user, and the financial identifier;

the configuration part includes account details of a recipient; and

the dynamic part is a multidimensional array that includes additional transaction details, wherein the multidimensional array comprises nested arrays being variable in length and content based upon a type of the financial transaction; and

processing the financial transaction initiated by the user based on validation of the recipient using the financial identifier.

12 . The method of claim 11 , wherein the configuration part of the message further includes: a location of a client device of the user, and device data associated with the client device.

13 . The method of claim 12 , further comprising restricting the financial transaction based upon the location of the client device.

14 . The method of claim 11 , wherein the configuration part of the message further includes a payment channel for the financial transaction.

15 . The method of claim 11 , wherein the additional transaction details of the dynamic part include subscription information associated with the user.

16 . (canceled)

17 . The method of claim 11 , further comprising:

sending the message from a client device of the user to a device of the recipient; and

receiving an acknowledgement of the message from the device of the recipient.

18 . The method of claim 17 , further comprising validating the financial transaction using device details from the recipient.

19 . The method of claim 18 , wherein the device details include a location of the recipient.

20 . The method of claim 11 , wherein the financial identifier is generated based on a combination of the KYC details and the account of the user.