Electronic payment systems and supporting methods and devices

Abstract

Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.

What is claimed is: 
     
         1 . A method, comprising:
 receiving, by a system comprising a processing device, a notification from a transferor device associated with a transferor identity indicating a transfer of funds by the transferor identity, wherein the notification comprises a message conforming to a money transfer messaging protocol and specifies at least a subset of a plurality of items of user identifying information associated with a transactional account for a user identity, and wherein the plurality of items of user identifying information are respectively selectable via the transferor device to select the user identity as part of requesting the transfer of funds to the user identity; and   initiating, by the system, the transfer of funds in response to the receiving the notification.   
     
     
         2 . The method of  claim 1 , further comprising:
 registering, by the system, the transactional account for the user identity, wherein the registering includes associating the plurality of items of user identifying information with the transactional account.   
     
     
         3 . The method of  claim 1 , further comprising:
 facilitating, by the system, completion of the transfer of funds to the user identity based on at least the subset of the plurality of items of user identifying information associated with the transactional account.   
     
     
         4 . A device, comprising:
 a memory to store instructions; and   a processor, coupled to the memory, that executes or facilitates execution of the instructions to at least:
 receive a notification from a transferor device associated with a transferor identity indicating a transfer of funds by the transferor identity, wherein the notification comprises a message conforming to a money transfer messaging protocol and specifies at least a subset of a plurality of items of user identifying information associated with a transactional account for a user identity, and wherein the plurality of items of user identifying information are respectively selectable via the transferor device to select the user identity as part of requesting the transfer of funds to the user identity; and 
 initiate the transfer of funds in response to the receiving the notification. 
   
     
     
         5 . The device of  claim 4 , wherein the processor further executes or facilitates execution of the instructions to register the transactional account for the user identity, wherein the registering includes associating the plurality of items of user identifying information with the transactional account. 
     
     
         6 . The device of  claim 4 , wherein the processor further executes or facilitates execution of the instructions to facilitate completion of the transfer of funds to the user identity based on at least the subset of the plurality of items of user identifying information associated with the transactional account.