Bill payment using direct funds transfer

A payment service system for processing a payment, comprising:

• a network interface;
• a database;
• a processor coupled to the network interface;
• and
• a memory coupled to the processor, the memory storing instructions to perform operations comprising:
• receiving, by the payment service system and in response to a selection via a first payment summary interface, a fund transfer message corresponding to a fund transfer from a sender to a recipient, wherein the sender has a sender financial account associated with a first financial institution system, and wherein the fund transfer message includes a recipient identifier of the recipient;
• in response to receiving the fund transfer message, automatically processing the fund transfer message using the payment service system;
• accessing the database using the payment service system, the database storing pre-stored association data between user identifiers and financial accounts, the payment service system having stored the pre-stored association data in the database based on one or more past transactions in which at least some of the financial accounts are used with the payment service system;
• automatically identifying, in response to processing the fund transfer message, a recipient financial account of the recipient and automatically in response to processing the fund transfer message at least in part by searching through the pre-stored association data in the database associated with the payment service system for a stored user identifier that corresponds to the recipient identifier, wherein the recipient financial account is associated with a second financial institution system;
• identifying that funds in the sender financial account are unable to be transferred to the recipient financial account using a first transfer interface within a time period;
• in response to receiving the fund transfer message and identifying the recipient financial account, automatically initiating a first transfer of funds from a payment service financial account associated with the payment service system to the recipient financial account using a second transfer interface and within the time period, wherein the second transfer interface is specific to the payment service system, wherein the payment service financial account is associated with one of a plurality of financial institution systems, the plurality of financial institution systems including at least the first financial institution system and the second financial institution system;
• in response to initiating the first transfer of funds to the recipient financial account, receiving, by the payment service system, a reimbursement amount for deposit to the payment service financial account associated with the payment service system, wherein the reimbursement amount is transferred from the sender financial account to the payment service financial account through a second transfer of funds that is automatically initiated after the time period;
• automatically generating, by the payment service system, one or more fund transfer records based on the first transfer of funds and the second transfer of funds;
• and
• automatically updating, by the payment service system, the database to add the one or more fund transfer records in response to the first transfer of funds and the second transfer of funds.

One or more computer-readable non-transitory storage media including instructions that, when executed by one or more processors of a payment service system, are configured to cause the payment service system to perform operations comprising:

• receiving, by the payment service system and in response to a selection via a first payment summary interface, a fund transfer message corresponding to a fund transfer from a sender to a recipient, wherein the sender has a sender financial account associated with a first financial institution system, and wherein the fund transfer message includes a recipient identifier of the recipient;
• in response to receiving the fund transfer message, automatically processing the fund transfer message using the payment service system;
• accessing a database using the payment service system, the database storing pre-stored association data between user identifiers and financial accounts, the payment service system having stored the pre-stored association data in the database based on one or more past transactions in which at least some of the financial accounts are used with the payment service system;
• identifying, by the payment service system automatically in response to processing the fund transfer message, a recipient financial account of the recipient at least in part by searching through the pre-stored association data in the database associated with the payment service system for a stored user identifier that corresponds to the recipient identifier, wherein the recipient financial account is associated with a second financial institution system;
• identifying that funds in the sender financial account are unable to be transferred to the recipient financial account using a first transfer interface within a time period;
• in response to receiving the fund transfer message and identifying the recipient financial account, automatically initiating a first transfer of funds from a payment service financial account associated with the payment service system to the recipient financial account using a second transfer interface and within the time period, wherein the second transfer interface is specific to the payment service system, wherein the payment service financial account is associated with one of a plurality of financial institution systems, the plurality of financial institution systems including at least the first financial institution system and the second financial institution system;
• in response to initiating the first transfer of funds to the recipient financial account, receiving, by the payment service system, a reimbursement amount for deposit to the payment service financial account associated with the payment service system, wherein the reimbursement amount is transferred from the sender financial account to the payment service financial account through a second transfer of funds that is automatically initiated after the time period;
• automatically generating, by the payment service system, one or more fund transfer records based on the first transfer of funds and the second transfer of funds;
• and
• automatically updating, by the payment service system, the database to add the one or more fund transfer records in response to the first transfer of funds and the second transfer of funds.