Cross-service transactions for peer-to-peer (P2P) payment platforms

A non-transitory computer-readable medium provisioned with program instructions for a first computing platform that is configured to host a first peer-to-peer (P2P) payment service for electronically transferring money among a first set of users that is accessible via client devices running a first software application, wherein the program instructions are executable by at least one processor of the first computing platform such that the first computing platform is configured to operate within a network environment comprising (i) a second computing platform hosting a second P2P payment service for electronically transferring money among a second set of users that is accessible via client devices running a second software application, and (ii) a cross-service computing platform that is configured to act as an intermediary between the first computing platform and the second computing platform, wherein the first and second P2P payment services are independent from one another, the first and second software applications are different from one another, the first and second computing platforms are different from one another, and the first and second sets of users are different from one another, and wherein the program instructions are executable to cause the first computing platform to interact with the cross-service computing platform on behalf of a first user of the first P2P payment service that comprises an initiating participant of a cross-service transaction by:

• receiving, from a first client device associated with the first user via a first communication path comprising at least one data network, a first type of data communication indicating a request by the first user of the first P2P payment service to initiate the cross-service transaction;
• based on receiving the first type of data communication, determining that the first user of the first P2P payment service has requested initiation of the cross-service transaction and transmitting, to the cross-service computing platform via a second communication path comprising at least one data network, a second type of data communication indicating the request by the first user of the first P2P payment service to initiate the cross-service transaction, wherein the second type of data communication causes the cross-service computing platform to determine that the first user of the first P2P payment service is the initiating participant of the cross-service transaction and generate a cross-service transaction identifier for the cross-service transaction that is to be utilized to commonly identify and carry out the cross-service transaction;
• after transmitting the second type of data communication, receiving, from the cross-service computing platform via a third communication path comprising at least one data network, a third type of data communication including the cross-service transaction identifier for the cross-service transaction that has been generated by the cross-service computing platform;
• based on receiving the third type of data communication, transmitting, to the first client device via a fourth communication path comprising at least one data network, a fourth type of data communication that causes the first client device to present the cross-service transaction identifier for the cross-service transaction to the first user in a manner that enables the first user to share the cross-service transaction identifier for the cross-service transaction with a second user of the second P2P payment service, wherein the cross-service transaction identifier for the cross-service transaction is thereafter shared by the first user with the second user, sent by a second client device associated with the second user to the second computing platform hosting the second P2P payment service, and sent by the second computing platform to the cross-service computing platform;
• and
• after the cross-service transaction identifier has been utilized by the cross-service computing platform to initiate an electronic transfer of funds between the first user of the first P2P payment service and the second user of the second P2P payment service, receiving, from the cross-service computing platform via a fifth communication path comprising at least one data network, a fifth type data communication indicating that the cross-service transaction has been successfully settled.

A method carried out by a first computing platform that is configured to host a first peer-to-peer (P2P) payment service for electronically transferring money among a first set of users that is accessible to users via client devices running a first software application, the method enabling the first computing platform to operate within a network environment comprising (i) a second computing platform hosting a second P2P payment service for electronically transferring money among a second set of users that is accessible via client devices running a second software application, and (ii) a cross-service computing platform that is configured to act as an intermediary between the first computing platform and the second computing platform, wherein the first and second P2P payment services are independent from one another, the first and second software applications are different from one another, the first and second computing platforms are different from one another, and the first and second sets of users are different from one another, the method comprising interacting with the cross-service computing platform on behalf of a first user of the first P2P payment service that comprises an initiating participant of a cross-service transaction by:

• receiving, from a first client device associated with the first user via a first communication path comprising at least one data network, a first type of data communication indicating a request by the first user of the first P2P payment service to initiate the cross-service transaction;
• based on receiving the first type of data communication, determining that the first user of the first P2P payment service has requested initiation of the cross-service transaction and transmitting, to the cross-service computing platform via a second communication path comprising at least one data network, a second type of data communication indicating the request by the first user of the first P2P payment service to initiate the cross-service transaction, wherein the second type of data communication causes the cross-service computing platform to determine that the first user of the first P2P payment service is the initiating participant of the cross-service transaction and generate a cross-service transaction identifier for the cross-service transaction that is to be utilized to commonly identify and carry out the cross-service transaction;
• after transmitting the second type of data communication, receiving, from the cross-service computing platform via a third communication path comprising at least one data network, a third type of data communication including the cross-service transaction identifier for the cross-service transaction that has been generated by the cross-service computing platform;
• based on receiving the third type of data communication, transmitting, to the first client device via a fourth communication path comprising at least one data network, a fourth type of data communication that causes the first client device to present the cross-service transaction identifier for the cross-service transaction to the first user in a manner that enables the first user to share the cross-service transaction identifier for the cross-service transaction with a second user of the second P2P payment service, wherein the cross-service transaction identifier for the cross-service transaction is thereafter shared by the first user with the second user, sent by a second client device associated with the second user to the second computing platform hosting the second P2P payment service, and sent by the second computing platform to the cross-service computing platform;
• and
• after the cross-service transaction identifier has been utilized by the cross-service computing platform to initiate an electronic transfer of funds between the first user of the first P2P payment service and the second user of the second P2P payment service, receiving, from the cross-service computing platform via a fifth communication path comprising at least one data network, a fifth type data communication indicating that the cross-service transaction has been successfully settled.