| 摘要 |
A system for executing electronic fund transfers includes a memory comprising a database, the database configured to store electronic fund transfer data, a first interface communicatively coupled to the memory and configured to receive electronic fund transfer customer data associated with a customer and requested electronic fund transfer data describing a requested electronic fund transfer requested by the customer, and one or more processors communicatively coupled to the first interface and configured to determine, based on the received customer data, stored electronic fund transfer data associated with the received customer data and populate fields of the first interface with the stored electronic fund transfer data associated with the received customer data. |
| 主权项 |
1. A system for executing electronic fund transfers, comprising:
a memory comprising a database, the database configured to store electronic fund transfer data; a first interface communicatively coupled to the memory and configured to receive:
electronic fund transfer customer data associated with a customer; andrequested electronic fund transfer data describing an electronic fund transfer requested by the customer; one or more processors communicatively coupled to the first interface and configured to:
identify, based on the received customer data, stored electronic fund transfer data associated with the received customer data;populate fields of the first interface with the stored electronic fund transfer data associated with the received customer data;determine, based on the received customer data, the stored electronic fund transfer data associated with the received customer data, and the requested electronic fund transfer data, that the electronic fund transfer requested by the customer requires administrator approval; andgenerate an authorization request message that includes the requested electronic fund transfer data; the first interface further configured to:
communicate the authorization request message to a second interface associated with an administrator;receive an authorization response message from the administrator, wherein the authorization response message includes administrator criteria that needs to be satisfied by the customer to execute the requested electronic fund transfer; andreceive an indication that the customer has complied with the administrator criteria; the one or more processors further configured to:
determine, based on the received customer data, the stored electronic fund transfer data associated with the received customer data, and the requested electronic fund transfer data, that the requested electronic fund transfer requires disclosure of one or more documents to the customer, confirmation from the customer that the customer received the one or more documents, and authorization from the customer to execute the requested electronic fund transfer; andgenerate the required one or more documents based on the received customer data and the stored electronic fund transfer data associated with the received customer data; the first interface further configured to:
indicate that the required one or more documents need to be disclosed to the customer, that the customer needs to confirm that the customer received the one or more required documents, and that the customer needs to authorize execution of the requested electronic fund transfer; andreceive an indication that the customer has received the one or more required documents, an indication that the customer received the one or more required documents, and an indication that the customer authorized execution of the requested electronic fund transfer; and the one or more processors further configured to execute the requested electronic fund transfer after a predetermined amount of time, wherein the requested electronic fund transfer can be canceled during the predetermined amount of time. |
