US Patent 11023873 Resources for peer-to-peer messaging

Payment technology companies are advancing technological solutions to facilitate payments between users and merchants. The complex architecture and software associated with payment technologies can be further improved by offering additional services to users. Some users may find it difficult or overly complicated to use payment technologies. As such, technological improvement are needed to make using payments technology easier, including adding the ability to make payments when funds are not available in an account, or to offer an advance funds transfer if the user would prefer not to use funds stored in a balance.