US Patent 12125016 Peer-to-peer payment systems and methods

A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of the recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.