SYSTEMS AND METHODS FOR EFFECTING APPLICATION PROGRAMMING INTERFACES FOR PERSONAL PAYMENT TRANSACTIONS

摘要

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

主权项

1. A system for facilitating a personal payment transaction comprising:
a processor; and a storage device storing instructions that, when executed by the processor, cause the system to perform the operations comprising:
receiving, from a client device associated with a payer, identifying information about a payee for initiating a payment transaction;determining, based on the identifying information, one or more identities of potential payees;providing, to the client device, the one or more identities of potential payees;receiving, from the client device, an indication of a selected payee from the one or more identities of potential payees;providing, to the client device, options to fund a personal payment to the selected payee; andproviding one or more options to the client device and the payee for routing the payment associated with the personal payment transaction.