Systems and Methods for Maintaining Sub Account Integrity

Abstract

Systems and methods are provided for a banking system that permits automatic generation of a second financial account using the account holder information associated with the first financial account. Account holders to reserve funds for future bill payments in a second financial account. The account holders may submit a bill reservation request that identifies a scheduled bill event with an associated bill amount to be paid from a first financial account via a payment processor. After receipt of the bill reservation request from the account holder, the banking system transfers funds equal to the bill amount identified in the bill reservation request from the first financial account to the second financial account. The banking system also instructs the payment processor to withdraw the bill amount identified in the bill reservation request from the second financial account instead of the first financial account. In this manner, an account holder may seamlessly reserve a portion of the first financial account for an upcoming bill in a manner that the account holder is prevented from accessing the reserved funds ahead of the bill payment.

Dependencies are inferred from the claim text.