Systems and methods for communication and negotiation of request for payment over payment networks

A method for communication and negotiation of request for payment over payment networks, comprising:

• monitoring, by a first instance of a payment computer program executed on a first electronic device, a first messaging application also executed by the first electronic device associated with a first party;
• monitoring, by a second instance of the payment computer program executed on a second electronic device, a second messaging application also executed by the second electronic device associated with a second party, wherein the payment computer program is a distributed computer program;
• identifying, by the first instance of the payment computer program, a first real-time communication from the first messaging application to the second messaging application executed by a second electronic device associated with a second party, the first real-time communication comprising a first actionable item comprising a first request for payment of a first amount;
• identifying, by the second instance of the payment computer program, a second real-time communication from the second messaging application to the first messaging application, the second real-time communication comprising a second actionable item comprising an offer to pay a second amount that is less than the first amount;
• causing, by the second instance of the payment computer program, a payment network to transfer the second amount from an account associated with the second party to an account associated with the first party;
• displaying, by the first instance of the payment computer program, a suggestion of a third amount in the first messaging application, wherein the suggestion of the third amount is based on historical negotiations between the first party and the second party;
• identifying, by the first instance of the payment computer program, a third real-time communication from the first messaging application to the second messaging application, the third real-time communication comprising a third actionable item comprising a request to pay the third amount, wherein the third amount is greater than the second amount but less than the first amount;
• identifying, by the second instance of the payment computer program, a fourth real-time communication from the first messaging application to the second messaging application, the fourth real-time communication comprising a fourth actionable item comprising an agreement to pay the third amount;
• and
• causing, by the second instance of the payment computer program, the payment network to transfer a difference between the third amount and the second amount from the account associated with the second party to the account associated with the first party.