Patent ID: 8706618

Claim:
A computer-system to transfer payment to a seller of a commerce transaction, the computer-system comprising: one or more servers including: one or more processors; one or more memory devices storing computer executable instructions that when executed by the one or more processors causes the one or more processors to perform operations comprising: retrieving data specific to the seller; generating a risk model based on the retrieved seller-specific data; determining a plurality of stages over a period of time based on the generated risk model; determining based on the generated risk model variable amounts to be released from a holding account during the determined plurality of stages; releasing a portion of funds from the holding account to the seller based on determined variable amounts and the plurality of stages over the period of time; and dynamically updating the variable amounts and releasing remaining funds from the holding account to the seller, the dynamically updating and releasing comprising: monitoring for further commerce transactions of the seller and determining a velocity of the further commerce transactions of the seller; determining updated variable amounts to be released from the holding account during the plurality of stages based on the generated risk model, the determined velocity of the further commerce transactions of the seller, and amount of funds in the holding account; and releasing the remaining funds from the holding account to the seller based on the updated variable amounts during the plurality of stages.