receive, in response to authenticating a biller computing system, bill information associated with a biller and customer account information associated with a plurality of customers of a provider, the bill information comprising a biller number;

determine a customer number of a customer of the plurality of customers;

identify a plurality of bills matched with the customer based on cross-referencing the bill information associated with the biller provided to the provider computing system by the biller computing system and the customer account information associated with the customer by comparing one or more first customer identifiers present in the bill information with one or more second customer identifiers present in the customer account information and identifying one or more matches between the one or more first customer identifiers and the one or more second customer identifiers;

aggregate information of the plurality of bills;

present, by a graphical user interface on a user device associated with the customer while a bill pay application is in an unlaunched state, a notification including at least one summary of the aggregated information of the plurality of bills, the at least one summary comprising an amount of the plurality of bills;

automatically launch, by the user device, the bill pay application in response to the customer selecting a summary of the at least one summary;

automatically navigate, by the user device, to a sub-screen of the bill pay application, the sub-screen presenting the selected summary;

receive, via the bill pay application, a request to pay an amount of funds to the biller;

generate a payment request comprising the customer number, the biller number, and the amount of funds;

provide at least one post to a funds account circuit based on the payment request, the at least one post comprising instructions to deduct the amount of funds from a customer account associated with the customer number and add the amount of funds to a biller account associated with the biller number;

generate and provide a payment data object comprising a plurality of attributes associated with the request and the customer to the biller computing system, wherein generating and providing the payment data object to the biller computing system further comprises enabling, with an application programming interface (API), the biller computing system to access the provider computing system to retrieve the payment data object, and wherein the plurality of attributes comprises at least a current value attribute; and

update, via the API, the current value attribute of the payment data object to a new value based on the amount of funds.