Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.

Abstract: A method for mitigating financial risk of a financial institution for military personnel who are customers of the financial institution includes obtaining the deployment status of a person in the military, the person being a customer of the financial institution. The electronic computing device automatically determines when the deployment status has changed to a deployed status. When a determination is made that the deployment status has changed to the deployed status, one or more procedures are implemented to minimize the financial risk of the financial institution while the person is on deployment.

Abstract: A system for facilitating benefaction that identifies donation opportunities by monitoring and learning from users' behavior and suggesting donations based on the behavior of potential benefactors and potential beneficiaries. In certain aspects, the system cross-references donation conditions of one system user with donation conditions of one or more other system users to identify donation triggering events corresponding to donation opportunities.