Multi-device data exchange using nfc push initiation

A user device, comprising:

• one or more processors;
• and
• one or more memories storing computer-executable instructions that, when executed by the one or more processors, cause the user device to at least:
• establish a near-field communication connection with a terminal device;
• receive, from the terminal device using the near-field communication connection, a request comprising a data exchange payload having an entity identifier corresponding to an entity associated with the terminal device, the data exchange payload characterizing a data exchange between a first computing system associated with the entity and a second computing system associated with a data exchange account associated with the user device;
• in response to receiving the request, generate an encrypted data exchange payload comprising the entity identifier and a data exchange account identifier corresponding to the data exchange account;
• transmit, to a server device, the encrypted data exchange payload, the server device configured to validate the encrypted data exchange payload using the data exchange account identifier;
• and
• receive, from a third-party computer system, an indication that the data exchange was successfully completed.

One or more computer-readable media storing computer-executable instructions that, when executed by one or more processors, cause a user device to at least:

• establish a near-field communication connection with a terminal device;
• receive, from the terminal device using the near-field communication connection, a request comprising a data exchange payload having an entity identifier corresponding to an entity associated with the terminal device, the data exchange payload characterizing a data exchange between a first computing system associated with the entity and a second computing system associated with a data exchange account associated with the user device;
• in response to receiving the request, generate an encrypted data exchange payload comprising the entity identifier and a data exchange account identifier corresponding to the data exchange account;
• transmit, to a server device, the encrypted data exchange payload, the server device configured to validate the encrypted data exchange payload using the data exchange account identifier;
• and
• receive, from a third-party computer system, an indication that the data exchange was successfully completed.