Money transfer in a forum using a payment proxy

A system comprising:

• one or more processors of a payment service system configured by executable instructions to perform operations comprising:
• receiving, by the one or more processors and from an application executing on a mobile device of a user, a request to generate an identifier for association with a financial account of the user, wherein the identifier has a syntax comprising:
• a currency indicator that corresponds to a particular currency of a plurality of currencies;
• and
• a string of one or more characters comprising at least one letter, wherein the currency indicator and the string are concatenated such that the currency indicator appears immediately before the string;
• generating, by the one or more processors and based at least in part on receiving the request, a user-defined identifier;
• mapping, by the one or more processors and in a database associated with the payment service system, the user-defined identifier to the financial account of the user, wherein the financial account is associated with financial account information;
• receiving, by the one or more processors, a message indicating an intent to transfer funds from a sending user to a receiving user, wherein the message includes the user-defined identifier, in lieu of the financial account information of the financial account of the user, to identify the user as the receiving user;
• parsing, by the one or more processors, the message to identify the user-defined identifier;
• based at least in part on identifying the user-defined identifier in the message, accessing, by the one or more processors, the financial account information associated with the financial account of the user using the identified identifier;
• and
• based at least in part on accessing the financial account information associated with the financial account of the user, initiating, by the one or more processors, the transfer of funds from a financial account of the sending user to the financial account of the user.

One or more non-transitory computer-readable media storing instructions executable by one or more processors to configure the one or more processors perform operations comprising:

• receiving, by the one or more processors and from an application executing on a mobile device of a user, a request to generate an identifier for association with a financial account of the user, wherein the identifier has a syntax comprising:
• a currency indicator that corresponds to a particular currency of a plurality of currencies;
• and
• a string of one or more characters comprising at least one letter, wherein the currency indicator and the string are concatenated such that the currency indicator appears immediately before the string;
• generating, by the one or more processors and based at least in part on receiving the request, a user-defined identifier;
• mapping, by the one or more processors and in a database associated with the payment service system, the user-defined identifier to the financial account of the user, wherein the financial account is associated with financial account information;
• receiving, by the one or more processors, a message indicating an intent to transfer funds from a sending user to a receiving user, wherein the message includes the user-defined identifier, in lieu of the financial account information of the financial account of the user, to identify the user as the receiving user;
• parsing, by the one or more processors, the message to identify the user-defined identifier;
• based at least in part on identifying the user-defined identifier in the message, accessing, by the one or more processors, the financial account information associated with the financial account of the user using the identified identifier;
• and
• based at least in part on accessing the financial account information associated with the financial account of the user, initiating, by the one or more processors, the transfer of funds from a financial account of the sending user to the financial account of the user.