Real time data allocation

A method, the method comprising:

• generating, via at least one computer server, an interactive web interface on a display of at least one user device, the interactive web interface comprising one or more screens configured to display an account creation tool including one or more user input tools for creating a user-defined first electronic account;
• receiving, from the at least one user device, via the interactive web interface, at least one user input indication via the one or more user input tools;
• continually monitoring, by a data monitor of the at least one computer server, account condition data from among a plurality of financial entity systems, the at least one computer server configured to communicate with the plurality of financial entity systems and the at least one user device via at least one communication network;
• determining, via an optimization engine of the at least one computer server, a combination comprising a plurality of second electronic accounts selected from among the plurality of financial entity systems, based on the monitored account condition data and the at least one user input indication, such that an aggregate characteristic of the combination satisfies the at least one user input indication,
• wherein the plurality of second electronic accounts comprises a plurality of demand deposit accounts and wherein the combination further indicates funding amounts for each of the plurality of demand deposit accounts;
• displaying, via the interactive web interface, on the account creation tool, the combination and its aggregate characteristic;
• receiving, from the at least one user device via the interactive web interface, input comprising a confirmation indication;
• creating, responsive to the confirmation indication via the optimization engine, the user-defined first electronic account comprising the plurality of second electronic accounts and having one or more capabilities that are not available to the plurality of second electronic accounts individually, said creating comprising:
• generating and transmitting at least one communication to at least one financial entity system among the plurality of financial entity systems, the at least one communication including one or more instructions to initiate an opening of at least one of the plurality of second electronic accounts, and
• in response to the one or more instructions, each of said at least one financial entity system among the plurality of financial entity systems initiating the opening of the at least one of the plurality of second electronic accounts according to its respective opening process;
• and
• responsive to detecting a change in the monitored account condition data among the plurality of financial entity systems, automatically rebalancing, by the optimization engine, one or more accounts among the plurality of second electronic accounts in accordance with the detected change.

A non-transitory computer readable medium storing computer readable instructions that, when executed by one or more processing devices, cause the one or more processing devices to perform the functions of:

• generating an interactive web interface on a display of at least one user device, the interactive web interface comprising one or more screens configured to display an account creation tool including one or more user input tools for creating a user-defined first electronic account;
• receiving, from the at least one user device, via the interactive web interface, at least one user input indication via the one or more user input tools;
• continually monitoring, via at least one communication network, account condition data from among a plurality of financial entity systems;
• determining a combination comprising a plurality of second electronic accounts selected from among the plurality of financial entity systems, based on the monitored account condition data and the at least one user input indication, such that an aggregate characteristic of the combination satisfies the at least one user input indication,
• wherein the plurality of second electronic accounts comprises a plurality of demand deposit accounts and wherein the combination further indicates funding amounts for each of the plurality of demand deposit accounts;
• displaying, via the interactive web interface, on the account creation tool, the combination and its aggregate characteristic;
• receiving, from the at least one user device via the interactive web interface, input comprising a confirmation indication;
• creating, responsive to the confirmation indication, the user-defined first electronic account comprising the plurality of second electronic accounts and having one or more capabilities that are not available to the plurality of second electronic accounts individually, said creating comprising:
• generating and transmitting at least one communication to at least one financial entity system among the plurality of financial entity systems, the at least one communication including one or more instructions to initiate an opening of at least one of the plurality of second electronic accounts, and
• in response to the one or more instructions, each of said at least one financial entity system among the plurality of financial entity systems initiating the opening of the at least one of the plurality of second electronic accounts according to its respective opening process;
• and
• responsive to detecting a change in the monitored account condition data among the plurality of financial entity systems, automatically rebalancing one or more accounts among the plurality of second electronic accounts in accordance with the detected change.