Communication device including multi-part alias identifier

A server device, comprising:

• a processor device;
• and
• a memory including instructions that, when executed with the processor device, cause the server device to, at least:
• receive, over a network interface via a wireless communication, a payment request from a payer consumer device, wherein the payment request includes an indication of a predetermined amount of money and a multi-part alias identifier comprising a first part alias identifier and a second part alias identifier;
• identifying, based on the first part alias identifier, a payee to which the payment request is directed, the payee identified based on a mapping between the first part alias identifier and a payee account number stored in the memory of the server device;
• identifying, based on the second part alias identifier, a financial institution to which the payment request is directed, the financial institution identified based on a mapping between the second part alias identifier and a financial institution identifier stored in the memory of the server device;
• identifying a payer account associated with the payer consumer device;
• providing, to the payer, a computer generated communication to confirm the payment request for the predetermined amount of money to the identified payee;
• upon confirming the request to pay the payee the predetermined amount of money, generating a payment request message that includes at least the payer account number and the predetermined amount of money;
• sending the generated payment request message to a payer institution for approval;
• receiving approval for the payment request message from the payer financial institution, and
• facilitating payment of the predetermined amount of money from the payer financial institution to the payee financial institution using the payee account number, the payer, account number, and the predetermined amount.

A consumer device, comprising:

• a processor;
• and
• a memory including instructions that, when executed with the processor, cause the consumer device to, at least:
• receive, a request to complete a payment from a payer, the request comprising at least a multi-part alias and an amount of currency, the multi-part alias comprising a first part alias identifier and a second part alias identifier;
• identify an account associated with the payer;
• transmit the received request and an indication of the identified account to a server device, such that the server device is caused to:
• identify, based on the second part alias identifier, a financial institution to which the request is directed, the financial institution identified based on a mapping between the second part alias identifier and a financial institution identifier stored in the memory of the server device;
• identify a payee account number maintained by the identified financial institution based on a mapping between the first part alias identifier and the payee account number stored in the memory of the server device;
• and
• initiate a payment in the amount of currency from the account associated with the payer to a payee account associated with the payee account number maintained by the identified financial institution;
• and
• receive, from the server device, a confirmation that the request has been completed.

A computer-implemented method comprising:

• receiving, at a consumer device, a request to complete a payment from a payer, the request comprising at least a multi-part alias and an amount of currency, the multi-part alias comprising at least a first part alias identifier and a second part alias identifier;
• identifying an account associated with the payer;
• transmitting, from the consumer device to a server device, the received request and an indication of the identified account, wherein the server device is configured to (i) identify, based on the second part alias identifier, a financial institution to which the request is directed, the financial institution identified based on a mapping between the second part alias identifier and a financial institution identifier stored in the memory of the server device,
• identify a payee account number associated with the identified financial institution based on a mapping between the first part alias identifier and the payee account number stored in the memory of the server device, and
• initiate a payment in the amount of currency from the account associated with the payer to a payee account associated with the payee account number;
• and
• receiving, at the consumer device from the server device, a confirmation that the request has been completed.