CPC G06Q 20/4016 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/042 (2013.01); G06Q 20/40 (2013.01)] | 20 Claims |
1. A computer-implemented method, comprising:
receiving, by a depository computing system, a check deposit and a withdrawal request associated with a customer account of a customer, the customer account associated with a first amount, wherein the withdrawal request comprises a second amount greater than the first amount;
forwarding, by the depository computing system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message comprising an identifier of the paying computing system that maintains a payor account of a payor in a paying database different from a deposit database of the depository computing system maintaining the customer account;
determining, by the depository computing system, real time account status information of the payor account, the real time account status information based on accessing an organized data structure; and
authorizing, by the depository computing system, in real time relative to when the real time account status information is accessed, the withdrawal request for the second amount, wherein the authorization occurs prior to settlement of the check deposit.
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