Patent attributes
A method includes acquiring account balance information for a first account and an alternative account; receiving, an indication from the user regarding a transaction to transfer funds to a recipient; and determining, that the transaction causes a value of the first account to decrease below threshold value. The method includes, based on the determination that the transaction causes the value to decrease below the threshold value, providing a screen display including a link associated with the alternative account to a mobile device of the user; receiving a selection of the link associated with the alternative account; based on receiving the selection of the link associated with the alternative account, transferring funds from the selected alternative account to the first account; transmitting the funds to the recipient; and updating the account balance information for the first account and the selected alternative account in the database of the financial institution computing system.
