Patent ID: 11880811
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A method comprising:
analyzing historical data transfers within one or more resource accounts to generate a data budget;
receiving, 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;
sending, 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;
analyzing the data transfer request and, based on the data budget, determining an affordability of the data transfer;
responsive to determining that the data transfer is not affordable from one of the resource accounts, generating one or more recommendations to afford the data transfer; and
sending, 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 the one or more other recommendations to afford the data transfer.