Patent attributes
A computer-implemented method includes receiving a check deposit and a withdrawal request associated with an account of a customer where the account is associated with a first amount and where the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system where the inquiry message includes an identifier of the paying computing system that maintains an account of a payor in a paying database, determining real time account status information of the account of the payor where the real time account status information is based on accessing an organized data structure, and authorizing the withdrawal request for the second amount in real time relative to when the real time account status information is accessed where the authorization occurs prior to settlement of the check deposit.
