Privacy protected consumers identity for centralized p2p network services

Abstract

A method of communicating a payment request from a first payment platform to a second payment platform is disclosed. The method may receive a payment request from a sending user on the first payment platform to a receiving user on the second payment platform where the payment request from the sending user is translated into a protected payment request. In response to the sending user being known, the protected payment request may be communicated to the second payment platform. An acceptance of the protected payment request from the second payment platform may be received. A transaction settlement request may be communicated to the first payment platform and the second payment platform.

1 - 20 . (canceled) 
     
     
         21 . A method of communicating a payment request from a first payment platform to a second payment platform, the method comprising:
 receiving, from the first payment platform at a service computing device, a payment request generated by a sending user via the first payment platform and intended for a receiving user associated with the second payment platform;   determining, by the service computing device, the sending user is associated with the first payment platform;   based on determining that the sending user is associated with the first payment platform:
 identifying the second payment platform; 
 communicating the payment request to the second payment platform; 
   based on identifying the second payment platform, generating, by the service computing device, a unique payment token; and   communicating, from the service computing device, the unique payment token to the first payment platform for redemption with the second payment platform.   
     
     
         22 . The method of  claim 21 , further comprising:
 receiving, at the service computing device from the second payment platform, a request for validation including the unique payment token;   validating the unique payment token at the service computing device; and   communicating the validation from the service computing device to the second payment platform.   
     
     
         23 . The method of  claim 21 , wherein the payment request is translated into a protected payment request. 
     
     
         24 . The method of  claim 21 , wherein the payment request comprises at least one of:
 a payment amount,   a receiver ID,   a sender ID, or   a payment platform ID.   
     
     
         25 . The method of  claim 24 , wherein the sender ID comprises at least one of an email address, a phone number and an account number. 
     
     
         26 . The method of  claim 24 , wherein confirming that the sending user is associated with the first payment platform comprises comparing the sender ID to known user IDs that are associated with the first payment platform. 
     
     
         27 . The method of  claim 24 , wherein identifying the second payment platform comprises searching a user database for the receiver ID, the user database including matches of known users with a plurality of additional payment platforms including the second payment platform. 
     
     
         28 . The method of  claim 24 , wherein the unique payment token comprises at least the receiver ID and the payment amount of the payment request. 
     
     
         29 . The method of  claim 21 , wherein communicating the unique payment token to the first payment platform is for delivery to a first computing device associated with the sending user, wherein the first computing device communicates the unique payment token to a second computing device associated with the receiving user and the second computing device redeems the token. 
     
     
         30 . The method of  claim 24 , further comprising communicating the payment amount to a second computing device associated with the receiving user. 
     
     
         31 . The method of  claim 21 , wherein the token is configured to be communicated to a second computing device using a different communication channel. 
     
     
         32 . The method of  claim 21 , wherein the token is configured for submission by the receiving user to the second payment platform for payment. 
     
     
         33 . The method of  claim 21 , further comprising determining, by the service computing device, whether the receiving user is an authorized user of the second payment platform. 
     
     
         34 . The method of  claim 33 , further comprising:
 determining, by the service computing device, the receiving user is an unauthorized user of the second payment platform; and   based on determining that the receiving user is an unauthorized user of the second payment platform, inviting the receiving user to join a payment platform.   
     
     
         35 . The method of  claim 34 , further comprising offering the receiving user a debit card for a payment amount associated with the payment request. 
     
     
         36 . The method of  claim 21 , further comprising adding a payment platform to the service computing device using key exchange encryption to communicate necessary on-boarding information. 
     
     
         37 . The method of  claim 24 , wherein the sender ID further comprises at least one of:
 a hash of an email registered with a payment platform;   a hash of a phone number registered with the payment platform;   a single digit to indicate when users registered with the payment platform for a first time;   a county indication;   a state indication;   a transaction location of a user; or   a know your customer indication.   
     
     
         38 . A computer system comprising a processor and a memory wherein the memory stores computer executable instructions and the processor is configured execute the computer executable instructions for:
 receiving, from a first payment platform, a payment request generated by a sending user via the first payment platform and intended for a receiving user associated with a second payment platform;   determining the sending user is associated with the first payment platform; based on determining that the sending user is associated with the first payment platform:
 identifying the second payment platform; 
 communicating the payment request to the second payment platform; 
   based on identifying the second payment platform, generating a unique payment token; and   communicating the unique payment token to the first payment platform for redemption with second payment platform.   
     
     
         39 . The computer system of  claim 38 , further comprising:
 receiving, from the second payment platform, a request for validation including the unique payment token and a receiver ID;   validating the unique payment token; and   communicating the validation to the second payment platform.   
     
     
         40 . The computer system of  claim 38 , wherein communicating the unique payment token to the first payment platform is for delivery to a first computing device associated with the sending user, wherein the first computing device communicates the unique payment token to a second computing device associated with the receiving user and the second computing device redeems the token.