Patent ID: 11961082
Assignee: 423 ENTERPRISES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 13:
14. A non-transitory computer-readable storage medium storing instructions which, when executed by a processor of a server of a payment provider, cause the processor to perform operations comprising:
comparing GPS coordinates between a received GPS-based location of a first user device and GPS-based locations of a plurality of user devices to identify a subset of one or more user devices within a threshold proximity distance of the first user device;
delivering to the first user device, data that identifies the one or more user devices in the subset of user devices and a user interface that displays the data on the first user device, wherein the user interface displays the subset of one or more user devices in a sequence that is ranked based on a proximity of each of the subset of one or more user devices ranked from nearest to furthest to the first user device, and ranked based on a popularity criteria associated with prior payments received by each of the subset of one or more user devices from other payors; and
initiating and authorizing an electronic payment corresponding to a desired electronic transaction defined by a confirmation of a selected payee device from among the subset of the one or more user devices, the electronic payment initiating a transfer from an account associated with the first user device to an account associated with the selected payee device.