公开(公告)号：US11334579B1

公开(公告)日：2022-05-17

申请号：US17169619

申请日：2021-02-08

Applicant: Shopify Inc.

Inventor： Rebecca Kanach Quade ,  John Jong-Suk Lee

IPC: G06F16/2453 ,  G06F16/2457

Abstract: Methods and systems for dynamically allocating amounts amongst a plurality of database records associated with recipients for value transfer processing. The system intercepts received value transfer notifications and determines an allocation of the value quantity to two or more recipient accounts without first writing the value quantity to an internal ledger user record associated with the recipient. The allocation may be based on a priority ranking of accounts determined by the system based on allocation rules. The allocation rules may be based on internal recipient data and/or external third-party data. The priority ranking may be partly based on projecting inflows and outflows from the user records over a window of time and applying an optimization function.