Patent ID: 8285612
Filing Date: 2012-10-09
Classification: G06Q

Abstract:
1. A data processing system, comprising: storage means storing an account identifier identifying a customer account, the account identifier including a set of control parameters; interface means coupled to an account management system that is separate from the data processing system, the account management system buffering postings to the customer account, the interface means receiving the buffered postings from the account management system; and an overdraft protection application program processing the buffered postings using the set of control parameters to determine an overdraft protection amount that would prevent an overdraft of the customer account, the overdraft protection application program being an upgrade to the account management system, wherein the set of control parameters is divided into sub-sets of control parameters that provide an overdraft protection functionality of the overdraft protection application program, wherein the overdraft protection application program generates an overdraft protection transfer request for the determined overdraft protection amount as a result of processing the buffered postings, and the interface means sends the overdraft protection transfer request to the account management system to credit the overdraft protection amount to the customer account before booking the buffered postings to prevent an overdraft of the customer account, and wherein the interface means receives the buffered postings from the account management system on request of the overdraft protection application program.