| 摘要 |
A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balance to facilitate the approval of withdrawal request. |
| 主权项 |
1. A computer-implemented method, comprising:
receiving, by one or more computer systems, a goal setting request that specifies a savings goal, with the goal setting request specifying an amount of funds to be saved in satisfaction of the savings goal by a completion date; in response to the goal setting request, generating a time-based savings rule to allocate funds towards the savings goal, with the time-based savings rule specifying an amount of funds to be allocated to the savings goal at specified time intervals, based on the amount of funds to be saved and based on the completion date for the savings goal; receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; automatically subtracting, in response to the withdrawal request, by execution of the time-based savings rule by the one or more computer systems, funds allocated to the savings goal from an amount of funds that are available in the one or more financial accounts, with the funds allocated to the savings goal differing from the withdrawal request; following subtraction of the funds allocated to the savings goal, determining, by the one or more computer systems, a remaining balance of the one or more financial accounts, with the remaining balance being an amount of funds that remain in the one or more financial accounts after subtracting the funds allocated to the savings goal from the amount of funds available in the one or more financial accounts; determining in real-time by the one or more computer systems, whether the remaining balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request; generating a real-time notification when the remaining is less than the amount of the withdrawal request; and sending, over the Internet to an application on a client device, a real-time notification to cause the application to display an alert to adjust the savings goal to a level at which the remaining balance is greater than or equal to the amount of the withdrawal request. |
