System and method for communication and negotiation of payment requests over payment network

Abstract

A method may include a first party computer program: (1) receiving a first real-time communication including a first offer of a first amount from a second party computer program; (2) partially accepting the first offer resulting in a transfer of the first funds from the first party account to the second party account; sending a second real-time communication to a second computer program, the second real-time communication including a second offer of a second amount and a partial acceptance of the first offer; (3) receiving, from the second computer program, a third offer of a third amount and a partial acceptance of the second offer, resulting in a transfer of the second funds from the first party account to the second party account; and (4) accepting the third offer causing the third funds to transfer from the first party account to the associated second party account.

Description

Technical Field

[0001] Embodiments generally relate to systems and methods for communicating and negotiating payment requests over a payment network. Background Art

[0002] When a first person (such as a child) requests money from a second person (such as a parent), negotiation occurs before the funds are provided. Thus, if the situation changes, a new round of negotiation may be required. Summary of the Invention

[0003] Systems and methods for communicating and negotiating payment requests over a payment network are disclosed. In one embodiment, a method for communicating and negotiating a payment request over a payment network may include: (1) receiving, via a payment computer program, a first real-time communication from a first computer program executing on a first electronic device associated with a first party to a second computer program executing on a second electronic device associated with a second party, the first real-time communication including a first offer of a first amount; (2) receiving, via the payment computer program, a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first offer and a second offer of a second amount; (3) causing, via the payment computer program, a first fund associated with the partial acceptance of the first offer to be transferred from an account associated with the first party to an account associated with the second party; (4) receiving, via the payment computer program, a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second offer and a third offer of a third amount; (5) causing, via the payment computer program, a second fund associated with the partial acceptance of the second offer to be transferred from an account associated with the first party to an account associated with the second party; (6) receiving, via the payment computer program, a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third offer; and (7) causing, via the payment computer program, a third fund associated with the acceptance of the third offer to be transferred from an account associated with the first party to an account associated with the second party.

[0004] In one embodiment, the partial acceptance of the first offer includes acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

[0005] In one embodiment, the partial acceptance of the second offer includes acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

[0006] In one embodiment, the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

[0007] In one embodiment, the first funds, the second funds, or the third funds are transferred using a real-time payment network.

[0008] In one embodiment, the second real-time communication includes the reason for a partial acceptance of the first offer.

[0009] In one embodiment, the third real-time communication includes the reason for the third offer.

[0010] According to another embodiment, a system may include: a first electronic device associated with a first party that executes a first computer program; a second electronic device associated with a second party that executes a second computer program; and a payment computer program that monitors real-time messaging communication between the first computer program and the second computer program. The payment computer program receives a first real-time communication from the first computer program to the second computer program, the first real-time communication including a first offer of a first amount; receives a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first offer and a second offer of a second amount; causes a first fund associated with the partial acceptance of the first offer to be transferred from an account associated with the first party to an account associated with the second party; receives a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second offer and a third offer of a third amount; causes a second fund associated with the partial acceptance of the second offer to be transferred from an account associated with the first party to an account associated with the second party; receives a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third offer; and causes a third fund associated with the acceptance of the third offer to be transferred from an account associated with the first party to an account associated with the second party.

[0011] In one embodiment, the partial acceptance of the first offer includes an acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

[0012] In one embodiment, the partial acceptance of the second offer includes an acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

[0013] In one embodiment, the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

[0014] In one embodiment, the first funds, the second funds, or the third funds are transferred using a real-time payment network.

[0015] In one embodiment, the second real-time communication includes the reason for a partial acceptance of the first offer.

[0016] In one embodiment, the third real-time communication includes the reason for the third quote.

[0017] According to another embodiment, a non-transitory computer-readable storage medium may include instructions stored thereon that, when read and executed by one or more computer processors, cause the one or more computer processors to perform steps including: receiving a first real-time communication from a first computer program associated with a first party to a second computer program associated with a second party, the first real-time communication including a first quote of a first amount; receiving a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first quote and a second quote of a second amount; causing a first fund associated with the partial acceptance of the first quote to be transferred from an account associated with the first party to an account associated with the second party; receiving a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second quote and a third quote of a third amount; causing a second fund associated with the partial acceptance of the second quote to be transferred from an account associated with the first party to an account associated with the second party; receiving a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third quote; and causing a third fund associated with the acceptance of the third quote to be transferred from an account associated with the first party to an account associated with the second party.

[0018] In one embodiment, the partial acceptance of the first quote includes an acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

[0019] In one embodiment, the partial acceptance of the second quote includes an acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

[0020] In one embodiment, the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

[0021] In one embodiment, the first fund, the second fund, or the third fund is transferred using a real-time payment network.

[0022] In one embodiment, the second real-time communication includes the reason for the partial acceptance of the first quote.

[0023] In one embodiment, the third real-time communication includes the reason for the third quote. Description of the Drawings

[0024] To more fully understand the present invention, its objects and advantages, reference is now made to the following description taken in conjunction with the accompanying drawings, in which: Figure 1 A system for communication and negotiation of payment requests over a payment network according to an embodiment is depicted; Figure 2 A method for communication and negotiation of payment requests over a payment network according to an embodiment is depicted; and Figure 3 An exemplary computing system for implementing aspects of the present disclosure is depicted. DETAILED DESCRIPTION

[0025] Embodiments are directed to systems and methods for communication and negotiation of payment requests over a payment network.

[0026] It should be noted that although embodiments may be described in the context of parent - child relationships, the embodiments are not limited thereto. Any relationship that may involve real - time negotiation can be within the scope of the embodiments.

[0027] Referring to Figure 1 , a system for communication and negotiation of payment requests over a payment network according to one embodiment is provided. System 100 may include a first electronic device 110 executing a first mobile application 115 and a second electronic device 120 executing a second mobile application 125. The first electronic device 110 and the second electronic device 120 may be any suitable electronic devices, including smart devices (e.g., smartphones, smartwatches, etc.), computers (e.g., desktop computers, laptop computers, notebooks, tablets, etc.), and Internet of Things (IoT) devices.

[0028] The first mobile application 115 and the second mobile application 125 may be real - time messaging applications (e.g., text messaging, chat, etc.). In one embodiment, the first mobile application 115 and the second mobile application 125 may interface with a payment computer program 135, which may be executed by an electronic device 130.

[0029] The electronic device 130 may be any suitable electronic device, including servers (e.g., physical and cloud - based), workstations, etc. In one embodiment, the payment computer program 135 may be a distributed computer program and may be distributed to the first electronic device 110 and the second electronic device 120. In an embodiment, the payment computer program 135 may be provided as a separate application, may be incorporated into the operating systems of the first electronic device 110 and the second electronic device 120, may be an extension of the first mobile application 115 and the second mobile application 125, etc.

[0030] The first mobile application 115, the second mobile application 125, and the payment computer program 135 can facilitate a message flow (e.g., chat, messaging service, etc.) that involves a payment request and subsequent negotiation between the operator of the first mobile application 115 and the operator of the second mobile application 125. In one embodiment, the payment computer program 135 can monitor the message flow and can cause a payment to occur based on occurrences within the message flow.

[0031] The electronic device 130 and / or the payment computer program 135 can be provided by the first financial institution 140. Accordingly, the payment computer program 135 can facilitate a payment between the first account 142 and the second account 144. The first account 142 and the second account 144 can be any suitable accounts, including checking accounts, savings accounts, credit accounts, etc.

[0032] The first financial institution 140 can interface with the second financial institution 150 using, for example, a payment network 160. The payment network 160 can be any suitable payment network, including a Real-Time Payment (RTP) network, an Automated Clearing House (ACH) payment network, an intra-bank transfer (e.g., if both parties have accounts at the same financial institution), a blockchain network, a cryptocurrency network, etc. The second financial institution 150 can host a third account 152 that can be associated with one of the users of the first mobile application 115 or the second mobile application 125.

[0033] In one embodiment, the payment network 160 can include a messaging component (not shown) whereby a first party and a second party can participate in a messaging flow to negotiate an amount. Accordingly, in one embodiment, the payment computer program 135 can be part of the payment network 160, and the first mobile application 115 and the second mobile application 125 can communicate using the messaging component. Alternatively, the payment computer program 135 and the first mobile application 115 and / or the second mobile application 125 can use an exposed application programming interface (API) to access the messaging component.

[0034] In another embodiment, the messaging between the first mobile application 115 and the second mobile application 125 can be provided by a messaging program, by a social networking platform, etc.

[0035] Reference Figure 2 , a method for communicating and negotiating a payment request over a payment network.

[0036] In step 205, the first party to the negotiation can use a real-time messaging computer application (such as a text messaging application, a chat application, etc.) to send a first real-time communication (including a first offer (e.g., the requested amount)) to the second party. In one embodiment, the offer can include the requested amount, and can also identify the second party, and include the proposed merchant, the identification of the goods or services to be purchased with that amount, and the reason for the offer (e.g., good grades, chores done, etc.).

[0037] In one embodiment, a payment computer program can monitor the messaging flow of actionable items. For example, the payment computer program can monitor the messaging flow of offers and amounts, acceptances, partial acceptances, counteroffers and amounts, etc. In one embodiment, the payment computer program can be a centralized computer program, a distributed computer program, an extension of an operating system or another application, etc.

[0038] In one embodiment, the payment computer program can identify the goods or services in the first offer, and can retrieve information about the goods or services. For example, it can identify the price, the merchant offering the goods or services, discounts, reviews of the goods or services, etc., and can display these together with the first offer.

[0039] In step 210, the second party to the negotiation can receive the first offer on a second-party computer program or application executed by the second party's electronic device. Like the first-party computer program or application, the second-party computer program and application can be real-time messaging computer applications, such as text messaging applications, chat applications, etc. Using the second-party computer program or application, the second party can partially accept the first offer (e.g., can agree to pay less than the requested amount), and can send a second real-time communication to the first party including a second offer (e.g., a counteroffer). The second offer can include the reason for the second offer, different goods or services, different merchants, etc. The second offer can be transmitted to the first party.

[0040] Alternatively, on the second-party computer program or application, the second party can reject the first offer. In an embodiment, the payment computer program can record the rejection and any reason for the rejection.

[0041] In step 215, the payment computer program can identify the partial acceptance and the amount, and can cause the funds associated with the partial acceptance of the first offer to move from the first party's account to the second party's account. In one embodiment, if both parties' accounts are at the same financial institution, this movement can be made through an in-bank transfer, or a payment network (such as RTP, ACH, etc.) can be used for this movement.

[0042] In an embodiment, the payment computer program, the sending financial institution, and / or the receiving financial institution can inject a confirmation message into the message sending stream, or it can send messages to the parties individually.

[0043] In step 220, the first party to the negotiation can partially accept the second offer in the first party computer program or application and can send a third real-time communication to the second party that includes a third offer. The third offer can be for the same amount as the first offer, or it can be for an amount less than the first offer but greater than the second offer. The third offer can be routed to the second party.

[0044] Alternatively, in the first party computer program or application, the second party can reject the second offer. In an embodiment, the payment computer program can record the rejection and any reasons for the rejection.

[0045] In step 225, the second party to the negotiation can accept the third offer.

[0046] Alternatively, in the second party computer program or application, the second party can reject the third offer. In an embodiment, the payment computer program can record the rejection and any reasons for the rejection.

[0047] In step 230, the payment computer program can identify the acceptance of the third offer and the amount and can cause funds associated with the acceptance of the third offer to move from the first party's account to the second party's account. In one embodiment, if both accounts are at the same financial institution, this movement can be made by an intra-bank transfer, or this movement can be made using a payment network (such as RTP, ACH, etc.).

[0048] In one embodiment, the process can continue until an offer is accepted or one party stops making counteroffers. For example, if the first party does not accept the third offer, the negotiation can stop.

[0049] In one embodiment, at any stage of the message sending stream, but particularly after the funds have been moved, either party to the conversation can take an action such as rejecting the funds (e.g., the first party rejects the funds because the second party did not receive the full amount requested) or rejecting the request (e.g., the first party rejects the request because the second party is not appreciative of the partial funds received or for other reasons). In one embodiment, if a transfer has been made, the first party can request a reversal of any payment made prior to the completion of the negotiation.

[0050] In one embodiment, a payment computer program can retrieve financial information (such as account balances) of the accounts of a first party and a second party, and can "push" the parties to reach an agreement if necessary. For example, using historical negotiation data between the first party and the second party or other parties, the payment computer program can suggest offers or counteroffers to the parties to encourage them to meet at a reasonable point. The historical negotiation data may be between the two parties or may be with one or more unrelated parties. The payment computer program can inject the suggested negotiation techniques or messages into the message sending stream or into separate messages for the parties to encourage the parties to reach an acceptable agreement.

[0051] In one embodiment, a payment computer program can use sentiment analysis on the message sending stream (e.g., using natural language processing to identify and extract sentiment from one or both parties), and can apply artificial intelligence and / or machine learning to the message sending stream to evaluate the message sending stream at each point and jointly, so as to suggest and inject message sending (e.g., suggestions) into the message sending stream as needed and / or desired, and / or send messages with techniques and / or suggestions (e.g., the amount of the next offer, the reason for the offer, the reason for partial acceptance, etc.) to one or both parties separately.

[0052] In another embodiment, a payment computer program can accelerate negotiations based on previous negotiations involving the parties. For example, if the second party always accepts offers for certain goods or services (such as groceries, gas, etc.), default text can be presented to the second party in the second party's computer program or application to accept the offer. As another example, if the second party historically does not accept offers over a certain amount, the first party's computer program or application can suggest different offer parameters. Any suggestions based on historical negotiations can be presented through the computer program or application as needed and / or desired.

[0053] Figure 3 An exemplary computing system for implementing aspects of the present disclosure is depicted. Figure 3Depicts an exemplary computing device 300. The computing device 300 may represent system components described herein. The computing device 300 may include a processor 305 that may be coupled to a memory 310. The memory 310 may include volatile memory. The processor 305 may execute computer-executable program code stored in the memory 310, such as software program 315. The software program 315 may include one or more logical steps disclosed herein as programming instructions that may be executed by the processor 305. The memory 310 may also include a data repository 320, which may be non-volatile memory for data persistence. The processor 305 and the memory 310 may be coupled by a bus 330. The bus 330 may also be coupled to one or more network interface connectors 340, such as a wired network interface 342 or a wireless network interface 344. The computing device 300 may also have user interface components, such as a screen, a mouse, a keyboard, and / or other input / output components (not shown) for displaying a graphical user interface and receiving input from a user.

[0054] Although several embodiments have been disclosed, these embodiments are not exclusive, and features disclosed in one embodiment may be used with other embodiments.

[0055] Hereinafter, general aspects of embodiments of the systems and methods of the embodiments will be described.

[0056] Embodiments of a system or a part of a system may be in the form of a "processor", for example, such as a general-purpose computer. As used herein, the term "processor" will be understood to include at least one processor using at least one memory. The at least one memory stores an instruction set. The instructions may be stored permanently or temporarily in one or more memories of the processor. The processor executes the instructions stored in one or more memories to process data. The instruction set may include various instructions for performing one or more specific tasks (such as those tasks described above). Such an instruction set for performing a specific task may be characterized as a program, a software program, or simply characterized as software.

[0057] In one embodiment, the processor may be a specialized processor.

[0058] In one embodiment, the processor may be a cloud-based processor, a physical processor, or a combination thereof.

[0059] As mentioned above, the processor executes the instructions stored in one or more memories to process data. This processing of the data may be, for example, in response to commands from one or more users of the processor, in response to previous processing, in response to a request from another processor, and / or any other input.

[0060] As mentioned above, the processor for implementing the embodiments can be a general-purpose computer. However, the processors described above can also utilize any one of a variety of other technologies, including dedicated computers, computer systems (including, for example, microcomputers, minicomputers, or mainframes), programmed microprocessors, microcontrollers, peripheral integrated circuit elements, CSICs (customer-specific integrated circuits), or ASICs (application-specific integrated circuits), or other integrated circuits, logic circuits, digital signal processors, programmable logic devices (such as FPGAs, PLDs, PLAs, or PALs), or any other device or arrangement of devices capable of implementing the steps of the processes disclosed herein.

[0061] The processor for implementing the embodiments can utilize a suitable operating system.

[0062] It should be understood that, in order to practice the methods of the embodiments described above, the processor and / or memory of the processor need not be physically located in the same geographical location. That is, each of the processor and memory used by the processor can be located in geographically different locations and connected so as to communicate in any suitable manner. In addition, it should be understood that each of the processor and / or memory can be composed of different physical components. Thus, the processor need not be a single piece of equipment in one location, and the memory need not be another single piece of equipment in another location. That is, it is contemplated that the processor can be two pieces of equipment in two different physical locations. The two different pieces of equipment can be connected in any suitable manner. In addition, the memory can include two or more portions of memory in two or more physical locations.

[0063] For further clarification, as described above, the processing is performed by various components and various memories. However, it should be understood that, according to additional embodiments, the processing described above as being performed by two different components can be performed by a single component. Additionally, the processing described above as being performed by one different component can be performed by two different components.

[0064] In a similar manner, according to additional embodiments, the memory storage described above as being performed by two different memory portions can be performed by a single memory portion. Additionally, the memory storage described above as being performed by one different memory portion can be performed by two memory portions.

[0065] In addition, various techniques can be used to provide communication between various processors and / or memories and to allow a processor and / or memory to communicate with another entity; that is, for example, in order to obtain additional instructions or access and use remote memory storage. For example, such techniques for providing such communication can include networks (Internet, intranet, extranet, LAN, Ethernet), wireless communication via cellular towers or satellites, or any client-server system that provides communication. Such communication techniques can use any suitable protocol, for example, such as TCP / IP, UDP, or OSI.

[0066] As described above, instruction sets can be used in the processing of embodiments. The instruction set can be in the form of a program or software. For example, the software can be in the form of system software or application software. For example, the software can also be in the form of a collection of individual programs, program modules within a larger program, or part of a program module. The software used can also include modular programming in the form of object-oriented programming. The software tells the processor what to do with the data being processed.

[0067] In addition, it should be understood that the instructions or instruction sets used in the implementation and operation of embodiments can be in a suitable form such that the processor can read the instructions. For example, the instructions forming a program can be in the form of a suitable programming language, and the suitable programming language is converted into machine language or object code to allow one or more processors to read the instructions. That is, the programming code or source code lines written in a specific programming language are converted into machine language using a compiler, assembler, or interpreter. Machine language is binary-coded machine instructions specific to a particular type of processor (i.e., for example, specific to a particular type of computer). A computer understands machine language.

[0068] Any suitable programming language can be used according to various embodiments. Furthermore, the instructions and / or data used in the practice of embodiments can utilize any compression or encryption technology or algorithm, as may be desired. An encryption module can be used to encrypt the data. Additionally, for example, files or other data can be decrypted using a suitable decryption module.

[0069] As described above, embodiments may illustratively be embodied in the form of a processor including, for example, a computer or a computer system, the computer or computer system including at least one memory. It should be understood that, as desired, an instruction set (i.e., software, for example) enabling a computer operating system to perform the operations described above may be included on any of a variety of media. Additionally, data processed by the instruction set may also be included on any of a variety of media. That is, for example, a particular medium (i.e., the memory in the processor) for storing the instruction set and / or data used in an embodiment may take any of a variety of physical forms or transmissions. Illustratively, the medium may be in the form of paper, paper transparency, optical disc, DVD, integrated circuit, hard disk, floppy disk, optical disk, magnetic tape, RAM, ROM, PROM, EPROM, wire, cable, optical fiber, communication channel, satellite transmission, memory card, SIM card or other remote transmission, and any other medium or data source readable by a processor.

[0070] Additionally, as desired, one or more memories used in a processor implementing an embodiment may be in any of a variety of forms to allow the memory to store instructions, data, or other information. Thus, the memory may be in the form of a database for storing data. The database may use any desired file arrangement, for example, such as a flat file arrangement or a relational database arrangement.

[0071] In a system and method, a variety of "user interfaces" may be used to allow a user to interface with one or more processors used to implement an embodiment. As used herein, a user interface includes any hardware, software, or combination of hardware and software used by a processor that allows a user to interact with the processor. For example, a user interface may be in the form of a dialogue screen. The user interface may also include any of the following: a mouse, touch screen, keyboard, keypad, voice reader, voice recognizer, dialogue screen, menu box, list, checkbox, toggle switch, button, or any other device that allows a user to receive information about the operation of the processor when the user is processing an instruction set and / or providing information to the processor. Thus, a user interface is any device that provides communication between a user and a processor. For example, information provided by a user to a processor through a user interface may be in the form of a command, a selection of data, or some other input.

[0072] As discussed above, a processor that executes an instruction set utilizes a user interface such that the processor processes user data. The user interface is typically used by the processor for interacting with a user to convey information or receive information from the user. However, it should be understood that, according to some embodiments of the system and method, a human user need not actually interact with the user interface used by the processor. Instead, it is also contemplated that the user interface may interact with another processor rather than a human user, i.e., convey and receive information. Thus, the other processor may be characterized as a user. Additionally, it is contemplated that the user interface utilized in the system and method may interact with another processor or portions of multiple processors while also interacting with a human user portion.

[0073] Those skilled in the art will readily appreciate that the embodiments are susceptible to wide utilization and application. Many embodiments and adaptations of the invention other than those described herein, as well as many variations, modifications and equivalent arrangements, will be apparent from, or reasonably suggested by, the foregoing description without departing from the substance or scope.

[0074] Accordingly, while embodiments of the invention have been described in detail herein with respect to exemplary embodiments of the invention, it should be understood that the disclosure is illustrative and exemplary of the invention and is made to provide an enabling disclosure thereof. Thus, the foregoing disclosure is not intended to interpret or limit the invention or otherwise exclude any other such embodiments, adaptations, variations, modifications or equivalent arrangements.

Claims

1. A method for communicating and negotiating a payment request through a payment network, comprising: Receiving, by a payment computer program, a first real-time communication from a first computer program executed on a first electronic device associated with a first party to a second computer program executed by a second electronic device associated with a second party, the first real-time communication including a first offer of a first amount; Receiving, by the payment computer program, a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first offer and a second offer of a second amount; Causing, by the payment computer program, a first fund associated with the partial acceptance of the first offer to be transferred from an account associated with the first party to an account associated with the second party; Receiving, by the payment computer program, a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second offer and a third offer of a third amount; Causing, by the payment computer program, a second fund associated with the partial acceptance of the second offer to be transferred from the account associated with the first party to the account associated with the second party; Receiving, by the payment computer program, a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third offer; And Causing, by the payment computer program, a third fund associated with the acceptance of the third offer to be transferred from the account associated with the first party to the account associated with the second party.

2. The method according to claim 1, wherein the partial acceptance of the first offer includes an acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

3. The method according to claim 1, wherein the partial acceptance of the second offer includes an acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

4. The method according to claim 1, wherein the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

5. The method according to claim 1, wherein the first fund, the second fund, or the third fund is transferred using a real-time payment network.

6. The method according to claim 1, wherein the second real-time communication includes a reason for the partial acceptance of the first offer.

7. The method according to claim 1, wherein the third real-time communication includes a reason for the third offer.

8. A system, comprising: A first electronic device associated with a first party that executes a first computer program; A second electronic device associated with a second party that executes a second computer program; And A payment computer program that monitors real-time messaging communication between the first computer program and the second computer program; Wherein: The payment computer program receives a first real-time communication from the first computer program to the second computer program, the first real-time communication including a first offer of a first amount; The payment computer program receives a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first offer and a second offer of a second amount; The payment computer program causes a first fund associated with the partial acceptance of the first offer to be transferred from an account associated with the first party to an account associated with the second party; The payment computer program receives a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second offer and a third offer of a third amount; The payment computer program causes a second fund associated with the partial acceptance of the second offer to be transferred from the account associated with the first party to the account associated with the second party; The payment computer program receives a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third offer; and The payment computer program causes a third fund associated with the acceptance of the third offer to be transferred from the account associated with the first party to the account associated with the second party.

9. The system according to claim 8, wherein the partial acceptance of the first offer includes an acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

10. The system according to claim 8, wherein the partial acceptance of the second offer includes an acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

11. The system according to claim 8, wherein the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

12. The system according to claim 8, wherein the first fund, the second fund, or the third fund is transferred using a real-time payment network.

13. The system according to claim 8, wherein the second real-time communication includes a reason for the partial acceptance of the first offer.

14. The system according to claim 8, wherein the third real-time communication includes a reason for the third offer.

15. A non-transitory computer-readable storage medium that includes instructions stored thereon that, when read and executed by one or more computer processors, cause the one or more computer processors to perform steps including the following: Receiving a first real-time communication from a first computer program associated with a first party to a second computer program associated with a second party, the first real-time communication including a first offer of a first amount; Receiving a second real-time communication from the second computer program to the first computer program, the second real-time communication including a partial acceptance of the first offer and a second offer of a second amount; Causing a first fund associated with the partial acceptance of the first offer to be transferred from an account associated with the first party to an account associated with the second party; Receiving a third real-time communication from the first computer program to the second computer program, the third real-time communication including a partial acceptance of the second offer and a third offer of a third amount; Causing a second fund associated with the partial acceptance of the second offer to be transferred from the account associated with the first party to the account associated with the second party; Receiving a fourth real-time communication from the first computer program to the second computer program, the fourth real-time communication including an acceptance of the third offer; And Causing a third fund associated with the acceptance of the third offer to be transferred from the account associated with the first party to an account associated with the second party.

16. The non-transitory computer-readable storage medium according to claim 15, wherein the partial acceptance of the first offer includes an acceptance of an amount less than the first amount, and the first fund is for an amount less than the first amount.

17. The non-transitory computer-readable storage medium according to claim 15, wherein the partial acceptance of the second offer includes an acceptance of an amount less than the first amount, and the second fund is for an amount less than the first amount.

18. The non-transitory computer-readable storage medium according to claim 15, wherein the second amount is for an amount greater than the first fund and less than the first amount, and the third amount is for an amount greater than the second fund and less than the second amount.

19. The non-transitory computer-readable storage medium according to claim 15, wherein the first fund, the second fund, or the third fund is transferred using a real-time payment network.

20. The non-transitory computer-readable storage medium according to claim 15, wherein the second real-time communication includes a reason for the partial acceptance of the first offer, and the third real-time communication includes a reason for the third offer.

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