Automatic payment determination

Abstract

A computer system monitors one or more communication applications on a device of a user. The computer system identifies a communication that corresponds to a payment from a plurality of communications on the one or more communication applications. In response to the identifying the communication that corresponds to the payment, the computer system automatically identifying one or more other users associated with the payment without prompting the user for information.

What is claimed is: 
     
         1 . A system, comprising:
 one or more computer-readable memories storing program instructions; and   one or more processors configured to execute the program instructions to cause the system to perform operations comprising:
 monitoring one or more communication applications on a mobile device of a user; 
 identifying a communication that corresponds to a payment from a plurality of communications on the one or more communication applications; 
 in response to the identifying the communication that corresponds to the payment, automatically identifying one or more other users associated with the payment without prompting the user for information; and 
 in response to the automatically identifying the one or more others users associated with the payment, generating and providing, via the one or more communication applications, a user interface, the user interface including information corresponding to the identified one or more other users and a first selectable element, the first selectable element when selected via the provided user interface causes an approval of the payment. 
   
     
     
         2 . The system of  claim 1 , wherein the automatically identifying the one or more other users associated with the payment comprises analyzing location information to determine that the one or more devices corresponding to the one or more other users are within a threshold distance of the mobile device of the user. 
     
     
         3 . The system of  claim 1 , wherein the identifying the communication that corresponds to the payment includes analyzing, in real time, a speech or a text transmitted or received by at least one of the one or more communication applications. 
     
     
         4 . The system of  claim 1 , wherein the automatically identifying the one or more other users associated with the payment further comprises identifying that the one or more other users are linked or connected to an account of the user, wherein the account corresponds to at least one of the one or more communication applications. 
     
     
         5 . The system of  claim 1 , wherein the one or more communication applications includes a video application, a social media application, a financial application, a voice communication application, or a messaging application. 
     
     
         6 . The system of  claim 1 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, transmitting one or more electronic messages to the one or more other users, wherein the one or more electronic messages correspond to an invoice associated with the payment.   
     
     
         7 . The system of  claim 1 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, processing a payment from the user of the mobile to the one or more other users.   
     
     
         8 . A method comprising:
 monitoring one or more communication applications on a mobile device of a user;   identifying a communication that corresponds to a payment from a plurality of communications on the one or more communication applications;   in response to the identifying the communication that corresponds to the payment, automatically identifying one or more other users associated with the payment without prompting the user for information; and   in response to the automatically identifying the one or more others users associated with the payment, generating and providing, via the one or more communication applications, a user interface, the user interface including information corresponding to the identified one or more other users and a first selectable element, the first selectable element when selected via the provided user interface causes an approval of the payment.   
     
     
         9 . The method of  claim 8 , wherein the automatically identifying the one or more other users associated with the payment comprises analyzing location information to determine that the one or more devices corresponding to the one or more other users are within a threshold distance of the mobile device of the user. 
     
     
         10 . The method of  claim 8 , wherein the identifying the communication that corresponds to the payment includes analyzing, in real time, a speech or a text transmitted or received by at least one of the one or more communication applications. 
     
     
         11 . The method of  claim 8 , wherein the automatically identifying the one or more other users associated with the payment further comprises identifying that the one or more other users are linked or connected to an account of the user, wherein the account corresponds to at least one of the one or more communication applications. 
     
     
         12 . The method of  claim 8 , wherein the one or more communication applications includes a video application, a social media application, a financial application, a voice communication application, or a messaging application. 
     
     
         13 . The method of  claim 8 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, transmitting one or more electronic messages to the one or more other users, wherein the one or more electronic messages correspond to an invoice associated with the payment.   
     
     
         14 . The method of  claim 8 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, processing a payment from the user of the mobile to the one or more other users.   
     
     
         15 . A computer program product, comprising:
 one or more computer-readable tangible storage devices, and program instructions stored on at least one of the one or more computer-readable tangible storage devices, the program instructions when executed cause a machine to perform operations comprising:
 monitoring one or more communication applications on a mobile device of a user; 
 identifying a communication that corresponds to a payment from a plurality of communications on the one or more communication applications; 
 in response to the identifying the communication that corresponds to the payment, automatically identifying one or more other users associated with the payment without prompting the user for information; and 
 in response to the automatically identifying the one or more others users associated with the payment, generating and providing, via the one or more communication applications, a user interface, the user interface including information corresponding to the identified one or more other users and a first selectable element, the first selectable element when selected via the provided user interface causes an approval of the payment. 
   
     
     
         16 . The computer program product of  claim 15 , wherein the automatically identifying the one or more other users associated with the payment comprises analyzing location information to determine that the one or more devices corresponding to the one or more other users are within a threshold distance of the mobile device of the user. 
     
     
         17 . The computer program product of  claim 15 , wherein the automatically identifying the one or more other users associated with the payment further comprises identifying that the one or more other users are linked or connected to an account of the user, wherein the account corresponds to at least one of the one or more communication applications. 
     
     
         18 . The computer program product of  claim 15 , wherein the one or more communication applications includes a video application, a social media application, a financial application, a voice communication application, or a messaging application. 
     
     
         19 . The computer program product of  claim 15 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, transmitting one or more electronic messages to the one or more other users, wherein the one or more electronic messages correspond to an invoice associated with the payment.   
     
     
         20 . The computer program product of  claim 15 , further comprising:
 in response to detecting, via the user interface, a selection of the first selectable element, processing a payment from the user of the mobile to the one or more other users.