Acquisition of card information to enhance user experience

A system comprising:

• one or more processors;
• and
• non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
• receive, by a payment processing service and from a first mobile device associated with a customer, tokenized data associated with a payment instrument of the customer presented for a payment in a transaction, and wherein the tokenized data is generated by the first mobile device;
• determine that a first application executing on the first mobile device and a second application executing on a second mobile device have connectivity to the payment processing service, the first application being associated with the customer and the second application being associated with a second user;
• based at least in part on determining that the first application and the second application have connectivity to the payment processing service, register an association between the first application and the second application for processing of the payment in the transaction;
• determine a service that is offered by the second user to the customer;
• determine, based at least in part on the tokenized data, first transaction data corresponding to historical transactions conducted using the payment instrument, wherein the first transaction data is stored in a database associated with the payment processing service;
• determine, based at least in part on the first transaction data, one or more characteristics of the historical transactions;
• generate, based at least in part on the one or more characteristics of the historical transactions, personalized content data personalized for the customer;
• cause presentation, via a graphical user interface of the first mobile device, of the personalized content data;
• receive, from the first mobile device, a request for authorization of the transaction and second transaction data associated with the transaction, wherein the first mobile device receives the second transaction data from the second mobile device;
• process, by the payment processing service, the payment;
• and
• send, to at least the second application and without providing the second application with access to card information, an indication that the payment in the transaction is authorized.

One or more non-transitory computer readable media storing instructions that, when executed, cause one or more processors to perform acts comprising:

• receiving, by a payment processing service and from a first mobile device associated with a customer, tokenized data associated with a payment instrument of the customer presented for a payment in a transaction, and wherein the tokenized data is generated by the first mobile device;
• determining that a first application executing on the first mobile device and a second application executing on a second mobile device have connectivity to the payment processing service, the first application being associated with the customer and the second application being associated with a second user;
• based at least in part on determining that the first application and the second application have connectivity to the payment processing service, registering an association between the first application and the second application for processing of the payment in the transaction;
• determining a service that is offered by the second user to the customer;
• determining, based at least in part on the tokenized data, first transaction data corresponding to historical transactions conducted using the payment instrument, wherein the first transaction data is stored in a database associated with the payment processing service;
• determining, based at least in part on the first transaction data, one or more characteristics of the historical transactions;
• generating, based at least in part on the one or more characteristics of the historical transactions, personalized content data personalized for the customer;
• causing presentation, via a graphical user interface of the first mobile device, of the personalized content data;
• receiving, from the first mobile device, a request for authorization of the transaction and second transaction data associated with the transaction, wherein the first mobile device receives the second transaction data from the second mobile device;
• processing, by the payment processing service, the payment;
• and
• sending, to at least the second application and without providing the second application with access to card information, an indication that the payment in the transaction is authorized.