Systems and methods for effecting personal payment transactions

Abstract

Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.

1 - 20 . (canceled) 
     
     
         21 . A system for providing a personal payment transaction comprising:
 a processor; and   a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising:
 notifying, by an electronic message, a payee of an incoming payment delivered from a payer through a media interface when the payee initiates a payment request; 
 providing, by the media interface, the payee an option to accept or reject the incoming payment based on a rationale for accepting or rejecting the incoming payment; 
 selecting, based on acceptance of the incoming payment by the payee, a routing option to receive payment according to a ranking of one or more parameters, wherein a payment transaction status is represented by a graphical icon on the media interface, and wherein the payment transaction status is shared through at least one social media website; 
 providing, based on the selected routing option, an advance option to receive the payment immediately if the selected routing option has a wait time to deliver payment; 
 determining, based on selection of the advance option, whether the payee is eligible for a credit advance; and 
 applying, based on an eligible determination, the credit advance to the payee, wherein the application of the credit advance is shared through the at least one social media website. 
   
     
     
         22 . The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:
 providing, via the media interface, a status of the personal payment transaction.   
     
     
         23 . The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:
 receiving via the media interface, input from the payer via voice commands.   
     
     
         24 . The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:
 determining content of at least one message based on the type of payment or the occasion of payment; and   displaying, via the media interface, the at least one electronic message from the payer to the payee.   
     
     
         25 . The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:
 providing one or more incentives for performing activities associated with the personal payment transaction.   
     
     
         26 . The system of  claim 21 , wherein the storage device stores further instructions that, when executed by the processor, cause the system to perform the operation of:
 providing, via the media interface, one or more options for the payer to set at least one limitation associated with the personal payment transaction.   
     
     
         27 . The system of  claim 21 , wherein the personal payment transaction involves a plurality of payers or a plurality of payees. 
     
     
         28 . A computer-implemented method for facilitating a personal payment transaction, comprising:
 notifying, by an electronic message, a payee of an incoming payment delivered from a payer through a media interface when the payee initiates a payment request;   providing, by the media interface, the payee an option to accept or reject the incoming payment based on a rationale for accepting or rejecting the incoming payment;   selecting, based on acceptance of the incoming payment by the payee, a routing option to receive payment according to a ranking of one or more parameters, wherein a payment transaction status is represented by a graphical icon on the media interface, and wherein the payment transaction status is shared through at least one social media website;   providing, based on the selected routing option, an advance option to receive the payment immediately if the selected routing option has a wait time to deliver payment;   determining, based on selection of the advance option, whether the payee is eligible for a credit advance; and   applying, based on an eligible determination, the credit advance to the payee, wherein the application of the credit advance is shared through the at least one social media website.   
     
     
         29 . The method of  claim 28 , further comprising:
 providing, via the media interface, a status of the personal payment transaction.   
     
     
         30 . The method of  claim 28 , further comprising:
 receiving, via the media interface, input from the payer via voice commands.   
     
     
         31 . The method of  claim 28 , further comprising:
 determining content of at least one message based on the type of payment or the occasion of payment; and   displaying, via the media interface, the at least one electronic message from the payer to the payee.   
     
     
         32 . The method of  claim 28 , further comprising:
 providing one or more incentives for performing activities associated with the personal payment transaction.   
     
     
         33 . The method of  claim 28 , further comprising:
 providing, via the media interface, one or more options for the payer to set at least one limitation associated with the personal payment transaction.   
     
     
         34 . The method of  claim 28 , wherein the personal payment transaction involves a plurality of payers or a plurality of payees. 
     
     
         35 . A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to:
 notify, by an electronic message, a payee of an incoming payment delivered from a payer through a media interface when the payee initiates a payment request;   provide, by the media interface, the payee an option to accept or reject the incoming payment based on a rationale for accepting or rejecting the incoming payment;   select, based on acceptance of the incoming payment by the payee, a routing option to receive payment according to a ranking of one or more parameters, wherein a payment transaction status is represented by a graphical icon on the media interface, and wherein the payment transaction status is shared through at least one social media website;   provide, based on the selected routing option, an advance option to receive the payment immediately if the selected routing option has a wait time to deliver payment;   determine, based on selection of the advance option, whether the payee is eligible for a credit advance; and   apply, based on an eligible determination, the credit advance to the payee, wherein the application of the credit advance is shared through the at least one social media website.   
     
     
         36 . The medium of  claim 35 , wherein the instructions further cause the processor to:
 provide, via the media interface, a status of the payment transaction.   
     
     
         37 . The medium of  claim 35 , wherein the instructions further cause the processor to:
 receive, via the media interface, input from the payer via voice commands.   
     
     
         38 . The medium of  claim 35 , wherein the instructions further cause the processor to:
 determining content of at least one message based on the type of payment or the occasion of payment; and   displaying, via the media interface, the at least one electronic message from the payer to the payee.   
     
     
         39 . The medium of  claim 35 , wherein the instructions further cause the processor to:
 provide one or more incentives for performing activities associated with the personal payment transaction.   
     
     
         40 . The medium of  claim 35 , wherein the instructions further cause the processor to:
 provide, via the media interface, one or more options for the payer to set at least one limitation associated with the personal payment transaction.