Digital engagement platform for payment solutions with cash-enabled multipay and promise-to-pay

A system, comprising:

• a processor;
• an electronic display;
• and
• a non-transitory computer-readable medium storing instructions that, when implemented by the processor, cause the processor to perform operations comprising:
• displaying, on the electronic display, a plurality of available payment options for a payor to make a payment owed to a payee;
• receiving, from the payor, a selection of at least two different payment options to pay the payee, wherein at least one of the selected payment options comprises a cash payment;
• providing an identification code to a portable electronic device for the payor to deposit the cash payment into a digital cash account, wherein the identification code is used to identify cash provided by the payor for loading into a digital cash account of the payor, wherein the payor is a customer, and wherein the operations further comprise:
• displaying, on the electronic display, a digital communication relating to a total payment amount to be made by the customer to the payee by a due date;
• receiving, via a customer input, a selection of a number of partial payments to be made into a locked account prior to the end of the due date;
• receiving, via a customer input, an amount for each partial payment, wherein the sum of the amounts of the partial payments is equal to or greater than the total payment amount;
• receiving, via a customer input, a scheduled payment date for each partial payment;
• receiving successive scheduled partial payments on corresponding scheduled payment dates, wherein each received scheduled partial payment is deposited into the locked account;
• in response to a determination that a final scheduled partial payment has been received prior to the due date, transferring funds from the locked account to the payee;
• and
• in response to a determination that at least one scheduled partial payment has not been completed on a corresponding scheduled payment date, canceling any remaining scheduled partial payments and refund any partial payment in the locked account back to the customer, such that the payee does not receive any partial payment.

A system, comprising:

• a processor;
• an electronic display;
• and
• a non-transitory computer-readable medium storing instructions that, when implemented by the processor, cause the processor to perform operations to digitally engage a customer and facilitate payment processing via the electronic display, the operations comprising:
• display, on the electronic display, a digital communication relating to a total payment amount to be made by the customer to a payee during a payment period by a due date;
• receive, via a customer input, a selection of a number of partial payments to be made into a locked account prior to the end of the due date, wherein the payee does not have access to or control of the locked account;
• receive, via a customer input, an amount for each partial payment, wherein the sum of the amounts of the partial payments is equal to or greater than the total payment amount;
• receive, via a customer input, a scheduled payment date for each partial payment;
• generate a promise-to-pay schedule comprising the number of partial payments, the amount for each partial payment, and the scheduled payment date for each partial payment;
• receive successive scheduled partial payments on corresponding scheduled payment dates according to the promise-to-pay schedule, wherein each received scheduled partial payment is deposited into the locked account in response to a confirmation that the scheduled partial payment was received;
• in response to a determination that a final scheduled partial payment has been received prior to the due date, execute one or more ledger transactions to transfer funds from the locked account to the payee;
• and
• in response to a determination that at least one scheduled partial payment has not been completed on a corresponding scheduled payment date, cancel any remaining scheduled partial payments and reverse and refund any partial payment in the locked account back to the customer, such that the payee does not receive any partial payment during the payment period.

A system, comprising:

• a computer processor;
• a memory in communication with the computer processor;
• a communication network in communication with the computer processor;
• a data storage communicatively connected to the computer processor;
• a ledger management subsystem to maintain a ledger of account balances of each of a plurality of ledger accounts within the data storage;
• a communication subsystem to transmit a request for a customer to make a payment for a total amount owed to a payee during a payment period;
• a locked account, wherein the payee does not have access to or control of the locked account;
• a payment subsystem to present to the customer, via a rendered graphical user interface on a customer electronic device, an interface to schedule partial payments for payment on corresponding scheduled payment dates, including at least a first partial payment scheduled for a first scheduled payment date prior to a due date and a second partial payment scheduled for a second scheduled payment date, and wherein the sum of the partial payments is at least as great as the total amount owed, wherein the interface receives a promise-to-pay schedule comprising the corresponding scheduled payment dates and amounts of the scheduled partial payments;
• and
• a promise-to-pay subsystem to:
• determine that the payee does not accept partial payments for the total amount owed during the payment period,
• receive a confirmation that each completed scheduled partial payment has been received,
• add each completed scheduled partial payment to the locked account in response to the confirmation,
• in response to a determination that the scheduled partial payments have been completed on time and for the amounts promised, execute one or more ledger transactions to transfer the total amount owed from the locked account to the payee,
• determine that one of the scheduled partial payments was not completed on its corresponding scheduled payment date,
• cancel all remaining scheduled partial payments,
• reverse and refund any completed scheduled partial payment in the locked account back to the customer, such that the payee does not receive any partial payment during the payment period, and
• notify the customer, via the communication subsystem, that the scheduled partial payment failed and that subsequently scheduled partial payments have been canceled.

A system, comprising:

• a processor;
• an electronic display;
• and
• a non-transitory computer-readable medium storing instructions that, when implemented by the processor, cause the processor to perform operations to digitally engage a customer and facilitate payment processing via the electronic display, the operations comprising:
• display, on the electronic display, a digital communication relating to a total payment to be made by the customer to a payee during a payment period by a due date, wherein the payee does not accept partial payments for the total payment during the payment period;
• receive, via a customer input, a selection of a number of partial payments to be made prior to the end of the due date;
• receive, via a customer input, an amount for each partial payment, wherein the sum of the amounts of the partial payments is equal to or greater than the total payment;
• receive, via a customer input, a scheduled payment date for each partial payment;
• generate a promise-to-pay schedule comprising:
• the number of partial payments;
• the amount for each partial payment;
• and
• the scheduled payment date for each partial payment;
• receive a first scheduled partial payment on a corresponding scheduled payment date according to the promise-to-pay schedule;
• in response to a confirmation that the first scheduled partial payment was received, deposit the first scheduled partial payment into a locked account, wherein the payee does not have access to or control of the locked account;
• determine that a scheduled payment date associated with a second scheduled partial payment has passed without the customer completing the second scheduled partial payment;
• and
• cancel any remaining scheduled partial payments and reverse and refund the first scheduled partial payment from the locked account to the customer such that the payee does not receive any partial payment during the payment period.