Systems and methods for providing a user interface for facilitating personal payment transactions

Abstract

Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

1 - 21 . (canceled) 
     
     
         22 . A system for providing personal payment transactions comprising:
 a processor; and   a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising:
 receiving payee identifying information, 
 determining a confidence level corresponding to one or more suggested recipients for receiving a payment from a payer based on the payee identifying information, the confidence level indicating a likelihood each of the one or more suggested recipients is the intended payee, 
 providing information reflecting the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients, and 
 receiving a selection of an identified payee. 
   
     
     
         23 . The system of  claim 22 , wherein receiving payee identifying information includes providing information used to generate an interface for the payer to provide the payee identifying information. 
     
     
         24 . The system of  claim 22 , wherein providing information reflecting the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients includes providing information used to generate an interface including the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients. 
     
     
         25 . The system of  claim 24 , wherein receiving a selection of an identified payee includes receiving an identification of the identified payee from the payer via the interface. 
     
     
         26 . The system of  claim 22 , wherein the operations further comprise:
 determining one or more preferred options to fund the payment to the identified payee; and   providing information reflecting the one or more preferred options.   
     
     
         27 . The system of  claim 26 , wherein the operations further comprise generating an interface including the one or more preferred options to fund the payment to the identified payee. 
     
     
         28 . The system of  claim 26 , wherein the operations further comprise
 determining one or more suggested payment routing options to route the payment to the identified payee; and   generating information used to generate a first interface including the one or more suggested payment routing options for the payer to select, and a ranking corresponding to each of the suggested payment routing options.   
     
     
         29 . The system of  claim 28 , wherein the operations further comprise:
 determining whether the selected routing option involves a wait time for delivering the payment;   determining the eligibility of the payee to apply for a credit advance if the selected routing option involves a wait time; and   generating information used to generate a second interface including one or more options for the payee to apply for the credit advance if the payee is eligible.   
     
     
         30 . The system of  claim 28 , wherein the operations further comprise:
 providing one or more options for the identified payee to receive the payment;   determining one or more options for the payee to redirect the received payment based on one or more factors associated with the payee; and   generating information used to generate a second interface including the one or more options to redirect the received payment.   
     
     
         31 . The system of  claim 30 , wherein the operations further comprise:
 determining one or more channels for the payer and the payee to communicate; and   providing information used to generate a third interface reflecting the one or more channels for the payer and the payee to communicate.   
     
     
         32 . The system of  claim 31 , wherein at least one of the generated interfaces is customized based on one or more factors associated with the payer. 
     
     
         33 . A method for providing personal payment transactions, comprising:
 receiving payee identifying information;   determining a confidence level corresponding to one or more suggested recipients for receiving a payment from a payer based on the payee identifying information, the confidence level indicating a likelihood each of the one or more suggested recipients is the intended payee;   providing information reflecting the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients; and   receiving a selection of an identified payee.   
     
     
         34 . The method of  claim 33 , wherein receiving payee identifying information includes providing information used to generate an interface for the payer to provide the payee identifying information. 
     
     
         35 . The method of  claim 33 , wherein providing information reflecting the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients includes providing information used to generate an interface including the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients. 
     
     
         36 . The method of  claim 33 , wherein the operations further comprise:
 determining one or more preferred options to fund the payment to the identified payee; and   providing information reflecting the one or more preferred options.   
     
     
         37 . The method of  claim 36 , wherein the operations further comprise generating an interface including the one or more preferred options to fund the payment to the identified payee. 
     
     
         38 . The method of  claim 36 , wherein the operations further comprise:
 determining one or more suggested payment routing options to route the payment to the identified payee; and   generating information used to generate a first interface including the one or more suggested payment routing options for the payer to select, and a ranking corresponding to each of the suggested payment routing options.   
     
     
         39 . The method of  claim 38 , wherein the operations further comprise:
 determining whether the selected routing option involves a wait time for delivering the payment;   determining the eligibility of the payee to apply for a credit advance if the selected routing option involves a wait time; and   generating information used to generate a second interface including one or more options for the payee to apply for the credit advance if the payee is eligible.   
     
     
         40 . The method of  claim 38 , wherein the operations further comprise:
 providing one or more options for the identified payee to receive the payment;   determining one or more options for the payee to redirect the received payment based on one or more factors associated with the payee; and   generating information used to generate a second interface including the one or more options to redirect the received payment.   
     
     
         41 . A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to:
 provide information used to generate a first interface for the payer to provide the payee identifying information,   determine a confidence level corresponding to one or more suggested recipients for receiving a payment from a payer based on the payee identifying information, the confidence level indicating a likelihood each of the one or more suggested recipients is the intended payee,   provide information to generate a second interface reflecting the one or more suggested recipients and confidence level corresponding to each of the one or more suggested recipients, and   receive a selection of an identified payee via the second interface.