US 11,880,811 B2
System and method for generating data transfer recommendations
Tomasz Pawelkiewicz, Toronto (CA); Rachit Srivastava, Brampton (CA); Nima Habibi Beltijeh, Brampton (CA); and Dalbir Channa, Markham (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Aug. 19, 2021, as Appl. No. 17/406,720.
Prior Publication US 2023/0057996 A1, Feb. 23, 2023
Int. Cl. G06Q 20/08 (2012.01); G06Q 20/32 (2012.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/085 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/403 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A server computer system, comprising:
a processor;
a communications module coupled to the processor; and
a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to:
analyze historical data transfers within one or more resource accounts to generate a data budget;
receive, via the communications module and from a third party server computer system, a signal indicating a data transfer request that includes identifying information of a merchant and an amount of the data transfer, the data transfer request initiated in response to selection of a pay by bank option presented on an online checkout page associated with the merchant and automatically directing a computing device to a login page to authenticate the computing device to identify the one or more resource accounts and to display a graphical user interface that includes information associated with the one or more resource accounts, the signal indicating the data transfer request received in response to successful authentication of the computing device;
send, via the communications module and to the computing device, a signal to modify the graphical user interface currently displayed on the computing device to include the identifying information of the merchant and the amount of the data transfer;
analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer;
responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and
send, via the communications module and to the computing device, a signal causing the computing device to display a notification overlayed on the modified graphical user interface currently displayed on the computing device that includes one of the recommendations to afford the data transfer and at least one selectable interface element to toggle between one or more other recommendations to afford the data transfer.