Systems and methods for managing payments using a communication device

1. A method comprising:

determining, by a remote computer, to send a payment notification to a communication device of a user based on billing data of the user, wherein the determining comprises determining that the communication device has a notification application based on a device identifier of the communication device stored in an application database of the notification application;

transmitting, by the remote computer, a push notification to the notification application on the communication device, wherein the push notification comprises a port-directed short message service (SMS) notification which causes the notification application to wake up on the communication device and automatically initiate a display of a prompt sequence on a graphical user interface (GUI) of the communication device which starts with a view option for viewing the payment notification;

detecting, by the remote computer, a selection of the view option via the initiated prompt sequence on the communication device;

in response to detecting the selection of the view option, transmitting, by the remote computer, an additional prompt in the prompt sequence to the communication device which displays billing data details within the GUI and includes a submit payment option;

detecting, by the remote computer, a selection of the submit payment option; and

in response to detecting the selection of submit payment option, transmitting, by the remote computer, another additional prompt in the prompt sequence to the communication device, which activates a button for making a payment within the GUI.

2. The method of claim 1 , further comprising:

receiving the billing data from at least one of the user and the communication device of the user; and

storing the billing data on a payment transaction database,

wherein the method further comprises accessing the billing data from the payment transaction database.

3. The method of claim 1 , further comprising:

receiving payment data from the communication device; and

sending the payment data to a payee.

4. The method of claim 1 , further comprising:

receiving a payment confirmation from a payee; and

sending the payment confirmation to the communication device.

5. The method of claim 1 , further comprising:

accessing a payor profile containing data associated with the user; and

sending a suggested payment method to the communication device based on the payor profile.

6. The method of claim 5 , wherein the payor profile comprises a set of user-definable settings.

7. A data processing device, comprising:

a bus system;

a memory connected to the bus system, wherein the memory includes a set of instructions; and

a processing unit connected to the bus system, wherein the set of instructions are configured to cause the processing unit to:

determine to send a payment notification to a communication device of a user based on billing data of the user, wherein the determining comprises determining that the communication device has a notification application based on a device identifier of the communication device stored in an application database of the notification application,

transmitting a push notification to the notification application on the communication device, wherein the push notification comprises a port-directed short message service (SMS) notification which causes the notification application to wake up on the communication device and automatically initiate a display of a prompt sequence on a graphical user interface (GUI) of the communication device which starts with a view option for viewing the payment notification,

detect a selection of the view option via the initiated prompt sequence on the communication device,

in response to detecting the selection of the view option, transmit an additional prompt in the prompt sequence to the communication device which displays billing data details within the GUI and includes a submit payment option;

detect a selection of the submit payment option; and

in response to detecting the selection of submit payment option, transmit another additional prompt in the prompt sequence to the communication device, which activates a button for making a payment within the GUI.

8. The data processing device of claim 7 , wherein the set of instructions are further configured to cause the processor to:

access a payor profile containing data associated with the user,

wherein the determination of whether to send the payment notification to the communication device is based on the payor profile and the billing data.

9. A method comprising:

determining to send a payment notification to a communication device of a user based on billing data of the user, wherein the determining comprises determining that the communication device has a notification application based on a device identifier of the communication device stored in an application database of the notification application;

determining, by the remote server, that a payment notification application has not been installed by a communication device associated with a user;

deploying the payment notification application, by the remote server, to the communication device associated with the user;

sending a push notification to the deployed payment notification application installed on the communication device, wherein the push notification comprises a port-directed short message service (SMS) notification which causes the notification application to wake up on the communication device and automatically initiate a display of a prompt sequence on a graphical user interface (GUI) of the communication device which starts with a view option for viewing the payment notification;

detecting, by the remote computer, a selection of the view option via the initiated prompt sequence on the communication device;

in response to detecting the selection of the view option, transmitting, by the remote computer, an additional prompt in the prompt sequence to the communication device which displays billing data details within the GUI and includes a submit payment option;

detecting, by the remote computer, a selection of the submit payment option; and

in response to detecting the selection of submit payment option, transmitting, by the remote computer, another additional prompt in the prompt sequence to the communication device, which activates a button for making a payment within the GUI.

10. The method of claim 9 , wherein the communication device comprises a cellular phone.

11. The method of claim 9 , wherein the method further comprises displaying a payment method prompt querying the user for a desired payment method and receiving user input from indicating the desired payment method.

12. The method of claim 11 , wherein the desired payment method is different from a suggested payment method.

13. The method of claim 1 , wherein the determining to send the payment notification is triggered in response to the billing data being received from an external source.

14. The method of claim 1 , wherein the determining to send the payment notification is triggered based on preferences of the user stored in a profile which specifies when the user is to be notified of the payment information.