Patent ID: 8762269

Claim:
A system for providing personal payment transactions comprising: a processor; and a storage device storing instructions that, when executed by the processor, cause the system to perform operations comprising: generating a first interface for a payer to effect a personal payment transaction; receiving, from the payer via the first interface, identifying information about a payee; estimating a confidence level corresponding to one or more suggested recipients for receiving a payment associated with the personal payment transaction from the payer based on the payee identifying information, the confidence level indicating the likelihood each of the suggested recipients is an intended payee; generating a second interface including the one or more suggested recipients and confidence level corresponding to each of the suggested recipients; receiving an identification of an identified payee from the payer via the second interface; generating a third interface including one or more options to fund the payment from the payer to the identified payee; generating a fourth interface including one or more payment routing options for the payer to route the payment; generating a fifth interface including one or more payment receipt options for the identified payee to receive the payment; and generating a sixth interface including one or more channels for the payer to communicate with the payee regarding the payment.