Abstract: In some aspects, the techniques described herein relate to a method including: aggregating data for use in an interoperable P2P application; transferring funds from a user's account associated with a first disparate P2P funding application to fund an account associated with the interoperable P2P application; transferring the funds from the account associated with the interoperable P2P application to an account associated with a second disparate P2P application; initiating a transfer of the funds from the user's account associated with a second disparate P2P application to a colleague's account associated with the second disparate P2P application; and recording transactions carried out by the interoperable P2P application in a ledger system associated with the interoperable P2P application.

Abstract: The invention relates to a method to send a split payment request directly from a paying customer's debit or credit account. According to an embodiment of the present invention, the method comprises the steps of, in a mobile payment computer application executed by an information processing apparatus comprising at least one computer processor: receiving a split payment request for a transaction; displaying a list of other customers for the split payment request; receiving a selection of one of the other customers for the split payment request; receiving a selection of a payment allocation for the selected other customer; and communicating the split payment request, the selected other customer, and the payment allocation to a remote server.