Transactions associated with a mobile device

A mobile device, comprising:

• one or more processors, one or more computer-readable memories, with program instructions stored on the one or more computer-readable memories, the one or more processors configured to execute the program instructions to cause the mobile device to:
• receive a broadcast communication from another mobile device, the another mobile device used at a merchant location;
• responsive to detecting, in the broadcast communication, a unique identifier indicative of availability of a payment server facilitating transactions with the another mobile device, provide user access to initiate transactions with the another mobile device via the payment server;
• transmit a transaction communication to the payment server, the transaction communication indicative of a user transaction and comprising the unique identifier, the transaction communication further indicative of the mobile device receiving the broadcast communication from the another mobile device;
• and
• communicate with the payment server to process the transaction between the mobile device and the another mobile device.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

• responsive to receiving a broadcast communication at a mobile device from a merchant device, analyzing a content of the broadcast communication;
• detecting, based on analysis of the broadcast communication, a unique identifier indicative of availability of the merchant device and of a payment server;
• responsive to detecting the unique identifier, providing user access via a customized user interface (UI) for initiating transactions with the merchant device via the payment server, the customized UI provided on a display of the mobile device and customized for one or more of services or products offered by a merchant associated with the merchant device;
• transmitting a transaction communication to the payment server, the transaction communication indicative of a user transaction and comprising the unique identifier, the transaction communication further indicative of the mobile device receiving the broadcast communication from the merchant device;
• and
• communicating with the payment server to process the transaction for one for the services or products offered by the merchant.