Abstract: Intelligent electronic record management is described herein. A service provider can receive, via a payor user interface, electronic records associated with a payor. The service provider can recommend, using a machine-trained model, that a payment associated with a first electronic record be paid using a first form of payment. The service provider can settle the payment associated with the first electronic record using the first form of payment. The service provider can additionally settle a payment associated with a second electronic record using a second form of payment recommended for payment of the second electronic record.

Abstract: A credit offer system may receive a request for a credit offer to a merchant. The credit offer system may obtain data associated with the merchant for determining whether to extend the credit offer to the merchant. In response to determining that the data is not sufficient to extend the credit offer to the merchant, the credit offer system may determine additional data associated with the merchant that is to be obtained and may obtain the additional data. The credit offer system may, in response to determining that the data and the additional data are sufficient to extend the credit offer to the merchant, send information associated with the credit offer to a computing device associated with the merchant.