Systems and methods for executing real-time electronic transactions using graphical user interface

A real-time transaction system comprising:

• one or more non-transitory computer readable media storing instructions for executing a real-time electronic transaction;
• and one or more processors configured to execute the instructions to perform operations comprising:
• receiving an input selection by a user to indicate an originating account, the originating account being an account from which the real-time electronic transaction is to originate;
• determining, using artificial intelligence (Al), an order of a plurality of receiving accounts based on respective likelihoods that each receiving account of the plurality of receiving accounts will be selected by the user;
• displaying the plurality of receiving accounts in the determined order;
• receiving an input selection by the user to indicate a receiving account from among the plurality of receiving accounts, the receiving account being an account that is to receive the payment;
• receiving an input selection by the user as to an amount of the payment;
• transmitting an indicia prompting for the payment to be carried out using a default payment setting and an indicia prompting for the payment to be carried out using a user defined payment setting;
• receiving an input selection by the user for the payment to be carried out using a default payment setting, and performing payment optimization logic to determine the default payment setting, a payment time or date, and a transaction cost;
• or alternatively,
• receiving an input selection by the user for the payment to be carried out using a user defined payment setting, performing payment optimization logic based on received user-defined payment settings, including the originating account, the receiving account, and the payment amount, displaying a subset of available payment settings, the displayed subset of available payment settings including indicia of a payment delivery time or date and a transaction cost calculated based on the received user-defined payment settings, and receiving an input selection by the user indicating a chosen payment setting;
• and receiving an input selection by the user indicating a selected one of the displayed subset of available payment settings;
• and
• displaying the payment setting, including the originating account, the receiving account, the amount of the payment, delivery time or date, and the transaction cost.

A non-transitory computer-readable medium storing instructions for executing a real-time transaction, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:

• receiving an input selection by a user to indicate an originating account, the originating account being an account from which the payment is to originate;
• determining, using artificial intelligence (Al), an order of a plurality of receiving accounts based on respective likelihoods that each receiving account of the plurality of receiving accounts will be selected by the user;
• displaying the plurality of receiving accounts in the determined order;
• receiving an input selection by the user to indicate a receiving account from among the plurality of receiving accounts, the receiving account being an account that is to receive the payment;
• receiving an input selection by the user as to an amount of the payment;
• transmitting an indicia for the payment to be carried out using a default payment setting and an indicia for the payment to be carried out using a user defined payment setting;
• receiving an input selection by the user to indicate that the payment is to be carried out using a default payment setting, and performing payment optimization logic to determine the default payment setting, a payment time or date, and a transaction cost;
• or alternatively,
• receiving an input selection by the user to indicate that the payment is to be carried out using a user defined payment setting, performing payment optimization logic based on received user-defined payment settings, including the originating account, the receiving account, and the payment amount, displaying a subset of available payment settings, the displayed subset of available payment settings including indicia of a payment delivery time or date and a transaction cost calculated based on the received user-defined payment settings, and receiving an input selection by the user indicating a chosen payment setting;
• and receiving an input selection by the user indicating a selected one of the displayed subset of available payment settings;
• and
• displaying the payment setting, including the originating account, the receiving account, the amount of the payment, delivery time or date, and the transaction cost.