Predicting and making payments via preferred payment methods

A computing system comprising one or more processors configured to:

• determine an amount of funds that a payer owes a payee;
• predict a preferred funds transfer method of the payee based on payee data received from a payee data source, wherein the payee data source is a third-party computing system configured to provide the payee data to the computing system;
• generate a token based on the predicted preferred funds transfer method, the token comprising encoded information that is decodable to identify the predicted preferred funds transfer method and the payee;
• provide a notification to a payee device associated with the payee, the notification comprising the token comprising the encoded information that is decodable to identify the predicted preferred funds transfer method and the payee;
• receive a user input from the payee device identifying a downstream payee, wherein the payee and the downstream payee are different payees;
• generate an amended token comprising encoded information that is decodable to identify the downstream payee;
• and
• initiate, based on the encoded information in the amended token, an electronic funds transfer from a source account of the payer to the downstream payee.

A non-transitory computer readable medium containing instructions for causing at least one processor of a computing system to perform operations, the operations comprising:

• determining an amount of funds that a payer owes a payee;
• predicting a preferred funds transfer method of the payee based on payee data received from a payee data source, wherein the payee data source is a third-party computing system configured to provide the payee data to the computing system;
• generating a token based on the predicted preferred funds transfer method, the token comprising encoded information that is decodable to identify the predicted preferred funds transfer method and the payee;
• providing a notification to a payee device associated with the payee, the notification comprising the token comprising the encoded information that is decodable to identify the predicted preferred funds transfer method and the payee;
• receiving a user input from the payee device indicating an agreement with the predicted preferred funds transfer method;
• and
• initiating, in response to the user input, an electronic funds transfer from a source account of the payer to the payee.