Systems and methods for funds transfers via a federated directory

A mobile device, comprising:

• at least one memory;
• and
• at least one processor configured to:
• receive a fund transfer request from a user regarding a funds transfer to a payee;
• send the fund transfer request to a computing system;
• receive an identification of the payee based on the fund transfer request;
• receive, from the computing system, an identification of a data collision regarding information associated with the payee and another user;
• subsequent to receiving the identification of the data collision, display, by a display device of the mobile device, information regarding the identification of the payee;
• prompt the user to verify that the information regarding the identification of the payee is correct;
• receive an indication from the user confirming that the information regarding the identification of the payee is correct;
• subsequent to receiving the indication, send an instruction to the computing system that facilitates identification of the payee by resolving the data collision regarding information associated with the payee and the another user by deactivating an association of at least some overlapping information with the another user;
• and
• control the display device to provide a message indicating that the fund transfer has been completed to the user.

A non-transitory computer-readable medium storing instructions therein that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

• receiving a fund transfer request from a user regarding a funds transfer to a payee;
• sending the fund transfer request to a computing system;
• receiving an identification of the payee based on the fund transfer request;
• receiving, from the computing system, an identification of a data collision regarding information associated with the payee and another user;
• subsequent to receiving the identification of the data collision, prompting the user to verify that the information regarding the identification of the payee is correct;
• receiving an indication from the user confirming that the information regarding the identification of the payee is correct;
• subsequent to receiving the indication, sending an instruction to the computing system that facilitates identification of the payee by resolving the data collision regarding information associated with the payee and the another user by deactivating an association of at least some overlapping information with the another user;
• and
• providing a message indicating that the fund transfer has been completed to the user.