Patent ID: 11880813
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 7:
8. A payment service system comprising:
one or more processors configured by executable instructions to perform operations comprising:
generating a proxy identifier for association with a financial account of a first user, wherein the proxy identifier is individually distinguishable from other proxy identifiers associated with financial accounts of other users, the proxy identifier having a syntax including a symbol and a string of one or more characters, wherein the symbol and the string are concatenated such that the symbol appears immediately before the string;
associating, in a data structure accessible by the payment service system, the proxy identifier with the financial account of the first user, wherein the financial account is associated with financial account information;
detecting, in an electronic message between the first user and a second user, the proxy identifier having the syntax, the proxy identifier included in the electronic message in lieu of the financial account information of the financial account of the first user and to identify the financial account of the first user for receiving the funds;
based at least in part on detecting, in the electronic message, the proxy identifier associated with the financial account of the first user, determining an indication of an intent to transfer funds from the second user to the first user;
based at least on the determining the indication of the intent to transfer funds from the second user to the first user, accessing, using the detected proxy identifier, the financial account information associated with the financial account of the first user; and
based at least in part on accessing the financial account information associated with the financial account of the first user, initiating, by the payment service system, the transfer of funds from a financial account of the second user to the financial account of the first user.