US Patent 11354645 Proximity-based payments

Techniques are disclosed for facilitating customers' mobile devices to conduct proximity-based payments to reduce the friction of conducting payments from one party to another. In some embodiments, a customer's mobile device can detect another mobile device that is in proximity. For example, the detected device may be in the same wireless personal area network as the customer's device. The customer's device can transmit to a payment service system server (PSS) an identifier identifying the other mobile device that it receives from the other mobile device that is in proximity. The customer's device can receive identification information about the user of the other device from the PSS. When the customer confirms sending a payment to the other user, the PSS facilitates a transfer of a payment amount between a financial account of the customer and a financial account of the user of the other device.