US 11,869,070 B2
Expected transfer monitoring and notification
Carlos Alejandro Kade, Toronto (CA); Anne Marie Morissette, Toronto (CA); Vijay Kumar, Mississauga (CA); Caroline Bandiera, Toronto (CA); and Adriann Teresa Coe, Pickering (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Sep. 27, 2019, as Appl. No. 16/585,274.
Application 16/585,274 is a continuation in part of application No. 16/510,250, filed on Jul. 12, 2019, granted, now 11,379,804.
Application 16/510,250 is a continuation in part of application No. 16/427,882, filed on May 31, 2019, granted, now 11,086,675.
Application 16/427,882 is a continuation in part of application No. 16/293,979, filed on Mar. 6, 2019, granted, now 11,042,931.
Prior Publication US 2020/0286164 A1, Sep. 10, 2020
Int. Cl. G06Q 40/02 (2023.01); G06Q 20/42 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 20/42 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A server computer system comprising:
a communications module;
a processor coupled to the communications module; and
a memory storing processor-executable instructions which, when executed, configure the processor to:
provide, to a client device associated with an authenticated entity via a first network, an intraday resource availability interface that includes selectable interface elements for toggling between at least first and second display screens provided by the intraday resource availability interface, the first display screen including a resource usage graph that displays, in real-time, at least a current quantity of resources available to the authenticated entity;
receive, from a third party server via a second network, an electronic message indicating an expected transfer for the authenticated entity, the message indicating at least a quantity of resources associated with the expected transfer and a value date associated with the expected transfer;
add the expected transfer to a list of pending expected transfers;
automatically adjust, in real-time or near real-time, the current quantity of resources available to the authenticated entity based on the expected transfer and perform operations to enable the authenticated entity to access the current quantity of resources available and to update the resource usage graph to display the adjusted current quantity of resources available;
continuously monitor received transfers, match one or more received transfers to one or more expected transfers and mark the expected transfers having been matched as complete on the list of pending expected transfers;
detect a trigger condition associated with the expected transfer;
in response to detecting the trigger condition associated with the expected transfer, determine whether a transfer associated with the expected transfer has been made;
in response to determining that the expected transfer has not been made, communicate with the client device via the first network to provide a notification by updating the intraday resource availability interface currently displayed on the client device to highlight the expected transfer on the second display screen of the intraday resource availability interface that includes a transaction status display screen and to enable a selectable option that allows the client device to communicate with the server computer system via the first network to cancel the expected transfer and cease attempts to determine whether the transfer associated with the expected transfer has been made;
receive, from the client device via the first network, an indication of selection of the selectable option to cancel the expected transfer;
cancel the expected transfer by removing the expected transfer from the list of pending expected transfers and ceasing attempts to match the expected transfer with the received transfers; and
automatically adjust, in real-time or near real-time, the current quantity of resources available based on the cancelled expected transfer and update the resource usage graph to display the adjusted current quantity of resources available on the first display screen.