公开(公告)号：US20150379644A1

公开(公告)日：2015-12-31

申请号：US14755740

申请日：2015-06-30

Applicant: The Toronto-Dominion Bank

Inventor： Jakub DANIELAK ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Matthew HAMILTON ,  Clara BOR ,  Wallace BARBOUR

IPC: G06Q40/06 ,  G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q40/06

Abstract: The disclosed embodiments include computerized methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business entities. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved a credit line account secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract translation: 所公开的实施例包括用于检测由金融机构和其他业务实体操作的联网计算机系统内的错误事件（例如帐户缺陷）的计算机化方法和系统。 一方面，系统包括存储指令的存储器和配置成执行操作的指令的一个或多个处理器，诸如从用户的第一帐户到目的地帐户接收支付金额的支付请求。 操作还可以包括确定第一帐户缺少足够的资金来支付支付金额，以及确定用户已经预先批准了通过用户的第一组投资持有来保证的信用额度帐户，该账户产生周期性转移的收入 到第一个帐户。 操作还可以包括从信用额度帐户到第一帐户执行支付金额的资金转帐操作。

公开(公告)号：US20150379485A1

公开(公告)日：2015-12-31

申请号：US14755786

申请日：2015-06-30

Applicant: The Toronto-Dominion Bank

Inventor： Jakub DANIELAK ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Matthew HAMILTON ,  Clara BOR ,  Wallace BARBOUR

IPC: G06Q20/10 ,  G06Q40/06

CPC classification number: G06Q20/108 ,  G06Q40/06

Abstract: The disclosed embodiments include methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved credit facility secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract translation: 所公开的实施例包括用于检测由金融机构和其他业务操作的联网计算机系统内的错误事件（例如帐户缺陷）的方法和系统。 一方面，系统包括存储指令的存储器和配置成执行操作的指令的一个或多个处理器，诸如从用户的第一帐户到目的地帐户接收支付金额的支付请求。 操作还可以包括确定第一帐户缺少足够的资金来支付支付金额，以及确定用户具有通过用户的第一组投资持有来保证的预先认可的信用额度，该第一组投资持有产生周期性地转移到 第一个帐号 操作还可以包括从信用额度帐户到第一帐户执行支付金额的资金转帐操作。