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Timing a notification of an online financial event

  • US 9,767,443 B1
  • Filed: 05/13/2014
  • Issued: 09/19/2017
  • Est. Priority Date: 05/13/2014
  • Status: Active Grant
First Claim
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1. A method for timing a notification of an initiation of a monetary transfer, the method comprising:

  • receiving, by a financial computer system and from a first email address associated with a sender, an email which includes information that indicates a monetary amount to transfer from an account associated with the sender to a recipient via a monetary transfer transaction initiated based on the email, the email including header information that indicates an email address of the recipient;

    determining, by the financial computer system, that the sender has not previously provided to the financial computer system account data associated with the account to use to withdraw funds for the monetary transfer transaction;

    transmitting, by the financial computer system and to the first email address, a request configured to generate a prompt for the sender to input the account data;

    determining, by the financial computer system, a period of wait time based on statistical data from a plurality of previously processed monetary transfer transactions;

    andin response to the financial computer determining that sender has not provided the account data to the financial computer system by the expiration of the period of wait time;

    generating, by the financial computer system, a notification email indicating the status of the monetary transfer transaction;

    transmitting the notification email, by the financial computer system, to the e-mail address associated with the recipient.

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