| CPC G06Q 20/102 (2013.01) [G06Q 20/227 (2013.01); G06Q 40/03 (2023.01)] | 5 Claims |
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1. A network computer system comprising:
one or more processors;
memory to store instructions;
wherein the one or more processors execute the stored instructions to perform, for each user of a plurality of users, operations that include:
maintaining a user profile that associates an identifier of the user with each of (i) a deposit account of the user, (ii) one or more creditor accounts of the user, each creditor account being associated with a corresponding third-party creditor;
determining a deposit schedule and a payment schedule, wherein the deposit schedule identifies an amount that the user is to contribute to the deposit account on multiple occasions over an upcoming time interval;
predicting, (i) a first time frame during which the user is to delay making a payment towards at least a first creditor account of the one or more creditor accounts, and (ii) a second time frame after the first time frame, during which a proposal to settle the first creditor account for a settlement amount that corresponds to a portion of the amount owed under the first creditor account is to be made for or on behalf of the user, wherein predicting the second time frame includes determining that the corresponding creditor of the first creditor account is likely to accept the proposal being at least in part on historical information associated with the corresponding creditor of the first creditor account;
wherein the payment schedule identifies one or more payments that are to be made from the deposit account to each of the one or more creditor accounts on one or multiple scheduled dates to settle the one or more creditor accounts during the upcoming time interval, each of the one or more payments being based at least in part on (i) a projected available amount of the deposit account based on the deposit schedule and the payment schedule, (ii) creditor account forecast information that forecasts a future state of each credit account, and (iii) the settlement amount of the first creditor account and the predicted second time frame;
wherein determining the deposit schedule and the payment schedule includes determining a duration of the upcoming time interval so that the one or more payments of the payment schedule settle the one or more creditor accounts;
providing an interactive user-interface to the user, the interactive user-interface including (i) information about the payment schedule, including an upcoming payment and a scheduled date for making the upcoming payment, (ii) one or more visual indicators that indicate the duration of the upcoming time interval and a portion of the settlement amount that is currently remaining to be paid to the first creditor account, and (iii) a continuous input mechanism that is operable by the user to specify an alternative amount for the upcoming payment and one or more subsequent payments; and
in response to the user operating the continuous input mechanism, (i) repeatedly determine the deposit schedule and the payment schedule based on the alternative amount specified by input received from the user manipulating the continuous input mechanism; and (ii) update in real-time each of the one or more visual indicators that indicate the duration of the upcoming time interval; and (iii) based at least in part on the input, provide, via the interactive user-interface, an indication of when an amount of the deposit account is insufficient for the upcoming payment.
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