CPC G06Q 30/0279 (2013.01) [G06N 20/00 (2019.01); G06Q 20/085 (2013.01); G06F 3/0482 (2013.01)] | 20 Claims |
1. A method comprising:
receiving, through a graphical user interface of a computing device associated with a user, an indication for submitting a voluntary payment to an entity;
determining past user transactions for the user over a time period and previous voluntary payment donations received by at least one other entity over the time period;
calculating, by a payment scoring engine comprising at least one machine learning operation for predictive payment scoring of suggested payment amounts, an entity payment average of the previous voluntary payment donations over the time period;
comparing, by the payment scoring engine, the previous voluntary payment donations to a subset of the past user transactions;
calculating, by the payment scoring engine, a user payment average for the subset of the past user transactions over the time period;
determining, by the payment scoring engine, a plurality of voluntary payment amounts for the user to the entity based on the entity payment average and the user payment average;
providing a plurality of selectable amount buttons based on the plurality of voluntary payment amounts for processing of the voluntary payment to the entity;
displaying, on the computing device, the plurality of selectable amount buttons in an interface accessed by the computing device;
receiving a selection of one of the plurality of selectable amount buttons through the computing device; and
in response to the selection, processing the voluntary payment to the entity using a user account of the user.
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