Systems and methods for generating payment due notifications

Abstract

Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.

1 .- 20 . (canceled) 
     
     
         21 . A system, comprising:
 at least one memory storing computer-executable instructions; and   at least one processor that accesses the at least one memory and executes the computer-executable instructions to:
 receive, via a communication network, an identification of a subscriber associated with a payment service provider; 
 obtain a payment history associated with the subscriber and a payee of the subscriber; 
 analyze the payment history to determine an estimated earliest time to completion of a payment on behalf of the subscriber to the payee; 
 determine a plurality of payment options available for the payment, wherein the plurality of payment options comprises i) an earliest available payment option associated with a payment date that corresponds to the estimated earliest time to completion, and ii) a future-dated payment option; 
 generate a payment user interface screen that enables selection of one or more of the plurality of payment options; 
 transmit, via the communication network and for presentation to the subscriber, the payment user interface screen; 
 receive, via the communication network and on behalf of the subscriber, an indication of a selection of a particular payment option of the plurality of payment options, wherein the particular payment option is associated with a payment request received on behalf of the subscriber, and wherein the payment request identifies the payee and a payment amount; and 
 direct the payment to the payee on behalf of the subscriber in accordance with the particular payment option and the payment request. 
   
     
     
         22 . The system of  claim 21 , wherein the at least one processor further executes the computer-executable instructions to:
 determine that the payee is an electronically managed payee.   
     
     
         23 . The system of  claim 22 , wherein the plurality of payment options further comprises an immediate payment and posting option responsive to determining that the payee is an electronically managed payee. 
     
     
         24 . The system of  claim 23 , wherein the payment user interface screen further comprises an indication of a premium fee associated with the immediate payment and posting option. 
     
     
         25 . The system of  claim 23 , wherein the particular payment option comprises the immediate payment and posting option, and wherein the at least one processor further executes the computer-executable instructions to:
 generate an early payment information file comprising information identifying the subscriber and information associated with the payment, wherein the information associated with the payment comprises at least one of: i) an identifier associated with the payment, ii) a payment amount, iii) a requested payment date, or iv) an expected payment issuance date; and   transmit the early payment information file for presentation to the payee.   
     
     
         26 . The system of  claim 25 , wherein the payment is directed to the payee in accordance with the immediate payment and posting option subsequent to transmission of the early payment information file. 
     
     
         27 . The system of  claim 21 , wherein, to analyze the payment history, the at least one processor executes the computer-executable instructions to perform at least one of risk processing or account scheming to determine a payment method, wherein the payment method comprises one of an electronic payment or a paper payment. 
     
     
         28 . The system of  claim 27 , wherein the at least one processor further executes the computer-executable instructions to:
 receive a payment amount,   wherein, to analyze the payment history, the at least one processor executes the computer-executable instructions to perform risk processing based at least in part on the payment amount.   
     
     
         29 . The system of  claim 21 , wherein the particular payment option comprises the future-dated payment option, and wherein the at least one processor further executes the computer-executable instructions to:
 transmit, via the communication network for presentation to the subscriber, a payment date inquiry and;   receive, via the communication network and on behalf of the subscriber, an indication of a future payment date for the payment.   
     
     
         30 . The system of  claim 21 , wherein the payment user interface screen comprises a date inquiry associated with the future-dated payment option, wherein the particular payment option comprises the future-dated payment option, and wherein the at least one processor further executes the computer-executable instructions to:
 receive, via the communication, an indication of a future payment date for the payment in association with the indication of the selection of the future-dated payment option.   
     
     
         31 . The system of  claim 21 , wherein the at least one processor further executes the computer-executable instructions to:
 receive, via the communication network, the payment request,   wherein the indication of the selection of the particular payment option is received prior to receipt of the payment request.   
     
     
         32 . The system of  claim 21 , wherein the at least one processor further executes the computer-executable instructions to:
 receive, via the communication network on behalf of the subscriber, an identification of the payee.   
     
     
         33 . A method, comprising:
 receiving, by a computerized payment service provider system comprising one or more computers via a communication network, an identification of a subscriber associated with the computerized payment service provider system;   obtaining, by the computerized payment service provider system, a payment history associated with the subscriber and a payee of the subscriber;   analyzing, by the computerized payment service provider system, the payment history to determine an estimated earliest time to completion of a payment on behalf of the subscriber to the payee;   determining, by the computerized payment service provider system, a plurality of payment options available for the payment, wherein the plurality of payment options comprises i) an earliest available payment option associated with a payment date that corresponds to the estimated earliest time to completion, and ii) a future-dated payment option;   generating, by the computerized payment service provider system, a payment user interface screen that enables selection of one or more of the plurality of payment options;   transmitting, by the computerized payment service provider system via the communication network and for presentation to the subscriber, the payment user interface screen;   receiving, by the computerized payment service provider system via the communication network and on behalf of the subscriber, an indication of a selection of a particular payment option of the plurality of payment options, wherein the particular payment option is associated with a payment request received on behalf of the subscriber, and wherein the payment request identifies the payee and a payment amount; and   directing, by the computerized payment service provider system, the payment to the payee on behalf of the subscriber in accordance with the particular payment option and the payment request.   
     
     
         34 . The method of  claim 33 , further comprising:
 determining, by the computerized payment service provider system, that the payee is an electronically managed payee.   
     
     
         35 . The method of  claim 34 , wherein the plurality of payment options further comprises an immediate payment and posting option responsive to determining that the payee is an electronically managed payee. 
     
     
         36 . The method of  claim 35 , wherein the payment user interface screen further comprises an indication of a premium fee associated with the immediate payment and posting option. 
     
     
         37 . The method of  claim 35 , wherein the particular payment option comprises the immediate payment and posting option, the method further comprising:
 generating, by the computerized payment service provider system, an early payment information file comprising information identifying the subscriber and information associated with the payment, wherein the information associated with the payment comprises at least one of: i) an identifier associated with the payment, ii) a payment amount, iii) a requested payment date, or iv) an expected payment issuance date; and   transmitting, by the computerized payment service provider system, the early payment information file for presentation to the payee.   
     
     
         38 . The method of  claim 37 , wherein the payment is directed to the payee in accordance with the immediate payment and posting option subsequent to transmitting the early payment information file. 
     
     
         39 . The method of  claim 33 , wherein analyzing the payment history further comprises performing at least one of risk processing or account scheming to determine a payment method, wherein the payment method comprises one of an electronic payment or a paper payment. 
     
     
         40 . The method of  claim 39 , further comprising:
 receiving, by the computerized payment service provider system, a payment amount,   wherein analyzing the payment history comprises performing risk processing based at least in part on the payment amount.   
     
     
         41 . The method of  claim 33 , wherein the particular payment option comprises the future-dated payment option, the method further comprising:
 transmitting, by the computerized payment service provider system via the communication network for presentation to the subscriber, a payment date inquiry and;   receiving, by the computerized payment service provider system via the communication network and on behalf of the subscriber, an indication of a future payment date for the payment.   
     
     
         42 . The method of  claim 33 , wherein the payment user interface screen comprises a date inquiry associated with the future-dated payment option, and wherein the particular payment option comprises the future-dated payment option, the method further comprising:
 receiving, by the computerized payment service provider system via the communication network, an indication of a future payment date for the payment in association with the indication of the selection of the future-dated payment option.   
     
     
         43 . The method of  claim 33 , further comprising:
 receiving, by the computerized payment service provider system via the communication network, the payment request,   wherein the indication of the selection of the particular payment option is received prior to receiving the payment request.   
     
     
         44 . The method of  claim 33 , further comprising:
 receiving, by the computerized payment service provider system via the communication network on behalf of the subscriber, an identification of the payee.