Methods and systems for providing payment interface services using a payment platform

Non-transitory computer readable storage media having instructions stored thereupon that, when executed by a payment platform having at least a processor and a memory therein, the instructions cause the payment platform to perform operations comprising:

• initializing, by the payment platform, first communication channels between the payment platform and a plurality of payment type provider platforms using a first set of application programming interfaces (APIs), wherein the plurality of payment type provider platforms provide a plurality of payment types, and wherein the first set of APIs define standardized protocol-based messaging and a structure for request and response messages to integrate payment services provided by the plurality of payment type provider platforms into the payment platform;
• initializing, by the payment platform, a second communication channel with a merchant platform;
• receiving, at a payment interface of the payment platform, a request from a merchant platform via the second communication channel, wherein the request comprises a request message generated by the merchant platform using a second set of APIs and includes customer information used by the payment platform to personalize payment types for a customer of the merchant platform, and wherein the merchant platform and the payment platform communicate via the payment interface using request and response messages defined by the second set of APIs over the second communication channel to provide the merchant platform access to a plurality of payment types integrated at the payment platform, wherein the second set of APIs define standardized protocol-based messaging for request and response messages between the payment platform and the merchant platform for generating checkout pages on an interface provided by the merchant platform to the customer;
• retrieving, by the payment platform, one or more customer data resources from a customer information database to determine payment types that are relevant to the customer, wherein the customer data resources are retrieved at least in part from the plurality of payment type provider platforms over one or more of the first communication channels using request messages generated using the first set of APIs and transmitted by the payment platform to the plurality of payment type provider platforms;
• determining, by the payment platform, from a plurality of payment types integrated at the payment platform, one or more payment types that are relevant to the customer based on comparing the one or more customer data resources to the customer information, comprising:
• calculating by a machine-learning-based model, for the payment types determined to be relevant to the customer, a corresponding plurality of probabilities based at least in part on a set of attributes of customer information that the customer will elect a particular payment type for payment processing,
• ranking the payment types based on their corresponding probabilities, and
• selecting the one or more payment types as payment types having a probability above a threshold value;
• communicating, by the payment platform over the second communication channel using one or more messages generated by the payment platform using the second set of APIs, the determined one or more payment types to the merchant platform, to cause at least one of the one or more payment types to be chosen for payment processing, wherein the one or more messages cause the merchant platform to display the one or more payment types in an order based on the ranking as personalized payment types for the customer within a user interface of the merchant platform;
• and
• completing, by the payment platform, payment processing using the one of the one or more payment types chosen by the customer for completion of the transaction between the customer and the merchant system.

A system comprising:

• a processor;
• a memory;
• a payment interface of a payment platform configured to receive a request from a merchant platform at the payment interface of the payment platform, wherein the payment interface is configured to:
• initialize first communication channels between the payment platform and a plurality of payment type provider platforms using a first set of application programming interfaces (APIs), wherein the plurality of payment type provider platforms provide a plurality of payment types, and wherein the first set of APIs define standardized protocol-based messaging and a structure for request and response messages to integrate payment services provided by the plurality of payment type provider platforms into the payment platform,
• initialize a second communication channel with a merchant platform,
• receive a request from a merchant platform via the second communication channel, wherein the request comprises a request message generated by the merchant platform using a second set of APIs and includes customer information used by the payment platform to personalize payment types for a customer of the merchant platform, and wherein the merchant platform and the payment platform communicate via the payment interface using request and response messages defined by the second set of APIs over the second communication channel to provide the merchant platform access to a plurality of payment types integrated at the payment platform, wherein the second set of APIs define standardized protocol-based messaging for request and response messages between the payment platform and the merchant platform for generating checkout pages on an interface provided by the merchant platform to the customer,
• retrieve one or more customer data resources from a customer information database to determine payment types that are relevant to the customer, wherein the customer data resources are retrieved at least in part from the plurality of payment type provider platforms over one or more of the first communication channels using request messages generated using the first set of APIs and transmitted by the payment platform to the plurality of payment type provider platforms,
• determine from a plurality of payment types integrated at the payment platform, one or more payment types that are relevant to the customer based on comparing the one or more customer data resources to the customer information, comprising the payment interface to:
• calculate by a machine-learning-based model, for the payment types determined to be relevant to the customer, a corresponding plurality of probabilities based at least in part on a set of attributes of customer information that the customer will elect a particular payment type for payment processing,
• rank the payment types based on their corresponding probabilities, and
• select the one or more payment types as payment types having a probability above a threshold value;
• communicate, over the second communication channel using one or more messages generated by the payment platform using the second set of APIs, the determined one or more payment types to the merchant platform, to cause at least one of the one or more payment types to be chosen for payment processing, wherein the one or more messages cause the merchant platform to display the one or more payment types in an order based on the ranking as personalized payment types for the customer within a user interface of the merchant platform;
• and
• complete, by the payment platform, payment processing using the one of the one or more payment types chosen by the customer for completion of the transaction between the customer and the merchant system.