SCHEDULING FUTURE PAYMENTS TO AN EXTERNAL PAYMENT SERVICE

摘要

In some embodiments, a system receives promise-to-pay information associated with a loan past due from a user. The promise-to-pay information comprises a promised amount, a promised date, and a payment form. The system determines a minimum promise-to-pay amount for the user. If the promised amount is greater than the minimum promise-to-pay amount, the system determines an external payment service based on the payment form. The external payment service is a payment service that processes a payment for the promised amount. The system communicates to the determined external payment service portions of the promise-to-pay information used to process the payment for the promised amount within a predetermined time period before the promised date, and communicates an alert to the user.

主权项

1. A system, comprising:
an interface configured to receive promise-to-pay information associated with a loan past due from a user via a user device, the loan past due comprises a due date and a loan amount, and the promise-to-pay information comprises a promised amount, a promised date, and a payment form; one or more processors communicatively coupled to the interface, the one or more processors configured to:
determine a minimum promise-to-pay amount for the user, the minimum promise-to-pay amount calculated using the loan amount of the loan past due, the due date of the loan past due, and a user risk score associated with the user, the user risk score based on a user payment history; anddetermine whether the promised amount is greater than the minimum promise-to-pay amount, and in response to the promised amount being greater than the minimum promise-to-pay amount:
determine an external payment service based on the payment form, the external payment service is a payment service that processes a payment for the promised amount; andthe interface further configured to:
communicate to the determined external payment service portions of the promise-to-pay information used to process the payment for the promised amount, the portions of the promise-to-pay information communicated to the determined external payment service within a predetermined time period before the promised date; andcommunicate an alert to the user, the alert indicating that the portions of the promise-to-pay information have been communicated to the determined external payment service.