Systems and methods for generating payment due notifications
First Claim
1. A method, comprising:
- identifying, by a computerized payment service provider system comprising one or more computers, a payor and a payee of the payor;
retrieving, by the computerized payment service provider system, a payment history comprising information indicative of a plurality of payments made to the payee on behalf of the payor, wherein each of the plurality of payments is associated with a respective payment date;
determining, by the computerized payment service provider system based at least in part upon evaluating the payment history a payment frequency pattern, wherein determining the payment frequency pattern comprises determining a respective time interval for each of one or more combinations of successive payments of the plurality of payments, wherein each respective time interval is determined based at least in part on the respective payment dates associated with the respective combination of successive payments;
generating a statistical quantity, by the computerized payment service provider system, by performing a statistical function based at least in part on one or more of the respective payment dates;
calculating, by the computerized payment service provider system based at least in part on and the determined payment frequency pattern and the statistical quantity, a next expected payment date;
generating, by the computerized payment service provider system, a payment due notification comprising an identity of the payee and an indication of the next expected payment date; and
transmitting, by the computerized payment service provider system, the payment due notification to a device operable by the payor.
2 Assignments
0 Petitions
Accused Products
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.
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Citations
22 Claims
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1. A method, comprising:
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identifying, by a computerized payment service provider system comprising one or more computers, a payor and a payee of the payor; retrieving, by the computerized payment service provider system, a payment history comprising information indicative of a plurality of payments made to the payee on behalf of the payor, wherein each of the plurality of payments is associated with a respective payment date; determining, by the computerized payment service provider system based at least in part upon evaluating the payment history a payment frequency pattern, wherein determining the payment frequency pattern comprises determining a respective time interval for each of one or more combinations of successive payments of the plurality of payments, wherein each respective time interval is determined based at least in part on the respective payment dates associated with the respective combination of successive payments; generating a statistical quantity, by the computerized payment service provider system, by performing a statistical function based at least in part on one or more of the respective payment dates; calculating, by the computerized payment service provider system based at least in part on and the determined payment frequency pattern and the statistical quantity, a next expected payment date; generating, by the computerized payment service provider system, a payment due notification comprising an identity of the payee and an indication of the next expected payment date; and transmitting, by the computerized payment service provider system, the payment due notification to a device operable by the payor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system, comprising:
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at least one processor; and at least one memory device storing computer-executable instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising; identifying a payor and a payee of the payor; retrieving a payment history comprising information indicative of a plurality of payments made to the payee on behalf of the payor, wherein each of the plurality of payments is associated with a respective payment date; determining, based at least in part upon evaluating the payment history a payment frequency pattern, wherein determining the payment frequency pattern comprises determining a respective time interval for each of one or more combinations of successive payments of the plurality of payments, wherein each respective time interval is determined based at least in part on the respective payment dates associated with the respective combination of successive payments; generating a statistical quantity by performing a statistical function based at least in part on one or more of the respective payment dates; calculating, based at least in part on and the determined payment frequency pattern and the statistical quantity, a next expected payment date; generating a payment due notification comprising an identity of the payee and an indication of the next expected payment date; and transmitting the payment due notification to a device operable by the payor. - View Dependent Claims (18, 19, 20, 21, 22)
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Specification