US 11,854,015 B1
Interbank account verification and funds transfer system and method
Al Hecht, San Francisco, CA (US); Ann Kirk, Deerwood, MN (US); Michael Miller, Fort Meyers, FL (US); Karen Moore, Vacaville, CA (US); and Melanie Gipe, Danville, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Jan. 30, 2023, as Appl. No. 18/103,176.
Application 18/103,176 is a continuation of application No. 17/504,369, filed on Oct. 18, 2021, granted, now 11,568,417.
Application 17/504,369 is a continuation of application No. 16/714,050, filed on Dec. 13, 2019, granted, now 11,151,570.
Application 16/714,050 is a continuation of application No. 14/496,493, filed on Sep. 25, 2014, granted, now 10,515,368.
Claims priority of provisional application 61/885,459, filed on Oct. 1, 2013.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/04 (2012.01); G06Q 20/02 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/042 (2013.01); G06Q 20/40 (2013.01)] 20 Claims
OG exemplary drawing
 
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.