Systems and methods for data processing

A data processing method, comprising:

• selecting, by a data processing system, an account identifier identifying a customer account, from a plurality of account identifiers, each of the account identifiers including a set of control parameters;
• requesting postings of the customer account from an account management system that is separate from the data processing system, the account management system buffering the postings in a computer memory;
• processing, by a computer processor executing an overdraft protection application program, the buffered postings in accordance with the set of control parameters assigned to the account identifier to determine an overdraft protection amount that would prevent an overdraft of the customer account and to generate an overdraft protection transfer request for the determined overdraft protection amount, the overdraft protection application program being an upgrade to the account management system, wherein the set of control parameters is divided into sub-sets of control parameters that provide an overdraft protection functionality of the overdraft protection application program;
• and
• transmitting the overdraft protection transfer request to the account management system to credit the overdraft protection amount to the customer account before booking the buffered postings to prevent an overdraft of the customer account.

A computer readable storage medium comprising computer executable instructions for performing a data processing method, the method comprising:

• selecting, by a data processing system, an account identifier identifying a customer account, from a plurality of sets of account identifiers, each of the sets of account identifiers including a set of control parameters;
• requesting buffered postings of the customer account from an account management system that is separate from the data processing system, the account management system buffering the postings in a computer memory;
• processing, using an overdraft protection application program, the buffered postings in accordance with the set of control parameters assigned to the account identifier to determine an overdraft protection amount that would prevent an overdraft of the customer account and to generate an overdraft protection transfer request for the determined overdraft protection amount, the overdraft protection application program being an upgrade to the account management system, wherein the set of control parameters is divided into sub-sets of control parameters that provide an overdraft protection functionality of the overdraft protection application program;
• and
• transmitting the overdraft protection transfer request to the account management system to credit the overdraft protection amount to the customer account before booking the buffered postings to prevent an overdraft of the customer account.