Systems and methods for making person-to-person payments via mobile client application

A payer user device comprising:

• a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device;
• and
• a digital payment application communicatively coupled with the near field communication transceiver, the digital payment application configured to:
• detect, via the near field communication transceiver, one or more nearby payee user devices within a predetermined range based at least in part on a result of a proximity-based scan of user devices within the predetermined range;
• receive, via a user interface of the payer user device, a selection of a payee user device of the one or more nearby payee user devices;
• receive, via the near field communication transceiver, an anonymous tokenized identifier and an alias of a user of the payee user device that provides a provider computing system information to identify an anonymous account associated with the user of the payee user device, wherein the anonymous tokenized identifier and the alias maintain anonymity between a user of the payer user device and the user of the payee user device;
• and
• add, via the digital payment application, the anonymous tokenized identifier to a stored list of payees on the payer user device, wherein the anonymous tokenized identifier is configured to enable the payer user device to provide the anonymous tokenized identifier to the provider computing system for a payment when the payee user device is outside the predetermined range of the payer user device.

A method comprising:

• detecting, by a processor of a payee user device utilizing a network interface circuit of the payee user device, one or more nearby payer user devices within a predetermined range based at least in part on a result of a proximity-based scan of user devices within the predetermined range;
• providing, by the processor via the network interface circuit of the payee user device, a first notification to the one or more nearby payer user devices, the first notification comprising a discount offer;
• receiving, by a user interface of the payee user device, a selection of one or more nearby payer user devices of the one or more nearby payer user devices to request payment;
• providing, by the processor via the network interface circuit of the payee user device when the payee user device is outside the predetermined range of the one or more nearby payer user devices, a payment request, an anonymous tokenized identifier, and an alias of a user of the payee user device to the one or more nearby payer user devices, a payment request configured to cause a second notification to be generated and displayed on the one or more nearby payer user devices, the second notification comprising the payment request, wherein the anonymous tokenized identifier and the alias maintain anonymity between a user of at least one of the one or more nearby payer user devices and the user of the payee user device;
• and
• receiving, by the processor via the network interface circuit of the payee user device, an indication from the one or more nearby payer user devices of acceptance to transfer an amount indicated in the payment request, wherein the anonymous tokenized identifier is configured to enable the at least one of the one or more nearby payer user devices to provide the anonymous tokenized identifier for a payment when the payee user device is outside the predetermined range of the at least one of the one or more nearby payer user devices.