Patent ID: 8781959

Claim:
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.