System and methods for modifying scheduled resource transfers associated with data records

1 . A computing system, comprising:

a processor; and

a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to:

obtain an input data file containing modification requests for varying parameters associated with scheduled resource transfer operations in connection with a data record;

receive, over a first communication channel, a first modification request for varying a first parameter associated with a first scheduled resource transfer operation in connection with the data record;

receive, over a second communication channel, a second modification request for varying the first parameter associated with the first scheduled resource transfer operation;

store request data associated with the first and second modification requests in the input data file;

identify duplicate requests in the input data file to modify a parameter associated with the first scheduled resource transfer operation based on comparing request data of modification requests stored in the input data file;

select one of the duplicate requests for processing in adjudication of the modification requests and delete request data associated with the non-selected ones of the duplicate requests from the input data file;

determine that one of the modification requests in the input data file is approved based on first criteria comprising rules defining at least one detectable event associated with a transferor entity for automatically approving modification requests, wherein the determining includes sequentially evaluating, using a robotic process automation system, request data of a plurality of modification requests stored in the input data file using the first criteria and wherein the at least one detectable event comprises a natural disaster;

in response to the determining:

process the approved one of the modification requests based on modifying a schedule of transfer operations associated with the data record by causing the first parameter associated with the first scheduled resource transfer operation to be varied;

modify the input data file to indicate an approval decision in respect of the approved one of the modification requests to modify the first parameter based on updating an approval data field of the input data file during sequential processing of modification requests represented in the input data file;

generate a notification of approval for a requesting entity associated with the approved one of the modification requests; and

execute transfer operations for transferring resources associated with the data record in accordance with the modified schedule.

2 . The computing system of claim 1 , wherein the robotic process automation system is configured to compare request data of modification requests that are included in the input data file against the first criteria.

3 . The computing system of claim 1 , wherein determining that one of the modification requests is approved comprises determining whether the first parameter was varied as a result of one or more previous modification requests.

4 . The computing system of claim 1 , wherein determining that one of the modification requests is approved comprises evaluating modification request data associated with the modification requests using the first criteria.

5 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to:

in response to determining that a modification request in the input data file is not approved:

store, in the memory, an indication of reasons for denying the non-approved one of the modification requests.

6 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to transmit, to a computing device associated with the requesting entity, the notification of approval.

7 . The computing system of claim 1 , wherein the first scheduled resource transfer operation is one of a set of scheduled transfers from one or more resource accounts of a borrower entity to a lender entity.

8 . The computing system of claim 1 , wherein the request data associated with the first and the second modification requests comprise values for one or more data fields associated with the modification requests and wherein the values are evaluated against the first criteria.

9 . A computer-implemented method, comprising:

obtaining an input data file containing modification requests for varying parameters associated with scheduled resource transfer operations in connection with a data record;

receiving, via a first communication channel, a first modification request for varying a first parameter associated with a first scheduled resource transfer operation in connection with the data record;

receiving, via a second communication channel, a second modification request for varying the first parameter associated with the first scheduled resource transfer operation;

storing request data associated with the first and second modification requests in the input data file;

identifying duplicate requests in the input file to modify a parameter associated with the first scheduled resource transfer operation based on comparing request data of modification requests stored in the input data file;

selecting one of the duplicate requests for processing in adjudication of the modification requests and delete request data associated with the non-selected ones of the duplicate requests from the input data file;

determining that one of the modification requests in the input data file is approved based on first criteria comprising rules defining at least one detectable event associated with a transferor entity for automatically approving modification requests, wherein the determining includes sequentially evaluating, using a robotic process automation system, request data of a plurality of modification requests stored in the input data file using the first criteria and wherein the at least one detectable event comprises a natural disaster;

in response to the determining:

process the approved one of the modification requests based on modifying a schedule of transfer operations associated with the data record by causing the first parameter associated with the first scheduled resource transfer operation to be varied;

modifying the input data file to indicate an approval decision in respect of the approved one of the modification requests to modify the first parameter based on updating an approval data field of the input data file during sequential processing of modification requests represented in the input data file;

generating a notification of approval for a requesting entity associated with the approved one of the modification requests; and

executing transfer operations for transferring resources associated with the data record in accordance with the modified schedule.

10 . The method of claim 9 , wherein the robotic process automation system is configured to compare request data of modification requests that are included in the input data file against the first criteria.

11 . The method of claim 9 , wherein determining that one of the modification requests is approved comprises determining whether the first parameter was varied as a result of one or more previous modification requests.

12 . The method of claim 9 , further comprising:

in response to determining that a modification request in the input data file is not approved:

storing, in a memory, an indication of reasons for denying the non-approved one of the modification requests.

13 . The method of claim 9 , further comprising transmitting, to a computing device associated with the requesting entity, the notification of approval.

14 . The method of claim 9 , wherein the first scheduled resource transfer operation is one of a set of scheduled transfers from one or more resource accounts of a borrower entity to a lender entity.

15 . The method of claim 9 , wherein the request data associated with the first and the second modification requests comprise values for one or more data fields associated with the modification requests and wherein the values are evaluated against the first criteria.