System and method for enabling one or more transfer features associated with a real-time transfer protocol

1. A server computer system, comprising:

a processor;

a communications module coupled to the processor; and

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

receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record;

determine that the particular data record is associated with a third party server;

obtain a trust score associated with the particular data record;

determine that the trust score satisfies trust criteria; and

responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol and send, via the communications module and to the client device, a signal modifying a user interface displayed on the client device indicating the enabling of the one or more transfer features associated with the real-time transfer protocol.

2. The server computer system of claim 1 , wherein when enabling the one or more transfer features associated with the real-time transfer protocol, the instructions, when executed, further configure the processor to:

send, via the communications module and to the client device, a signal enabling a selectable option on the user interface displayed on the client device to initiate the transfer of the data to the particular data record using the real-time transfer protocol.

3. The server computer system of claim 2 , wherein the instructions, when executed, further configure the processor to:

receive, via the communications module and from the client device, a signal indicating selection of the selectable option to initiate the transfer to the particular data record using the real-time transfer protocol; and

responsive to receiving the signal indicating selection of the selectable option to initiate the transfer to the particular data record using the real-time transfer protocol, initiate the transfer of the data to the particular data record using the real-time transfer protocol.

4. The server computer system of claim 3 , wherein the instructions, when executed, further configure the processor to:

determine that the transfer of the data to the particular data record using the real-time transfer protocol has completed; and

responsive to determining that the transfer of the data to the particular data record using the real-time transfer protocol has completed, update a database to increase the trust score for the particular data record.

5. The server computer system of claim 1 , wherein when enabling the one or more transfer features associated with the real-time transfer protocol, the instructions, when executed, further configure the processor to:

enable an increased transfer threshold for the transfer using the real-time transfer protocol.

6. The server computer system of claim 5 , wherein the increased transfer threshold is based on the trust score associated with the particular data record.

7. The server computer system of claim 1 , wherein the trust criteria includes a trust threshold and determining that the trust score satisfies the trust criteria includes determining that the trust score is above the trust threshold.

8. The server computer system of claim 1 , wherein when obtaining the trust score for the particular data record, the instructions, when executed, further configure the processor to:

send, to a database, a signal that includes information identifying the particular data record and requesting the trust score associated with the particular data record.

9. The server computer system of claim 1 , wherein the instructions, when executed, further configure the processor to:

receive, via the communications module and from a second client device, a signal including a second request to configure a second transfer of data to a second particular data record;

determine that the second particular data record is associated with the third party server;

obtain a second trust score associated with the second particular data record;

determine that the second trust score does not satisfy the trust criteria; and

responsive to determining that the second trust score does not satisfy the trust criteria, send, via the communications module and to the second client device, a signal causing a second user interface displayed on the second client device to display a notification indicating that the second particular data record cannot be trusted.

10. A computer-implemented method comprising:

receiving, from a client device, a signal including a request to configure a transfer of data to a particular data record;

determining that the particular data record is associated with a third party server;

obtaining a trust score associated with the particular data record;

determining that the trust score satisfies trust criteria; and

responsive to determining that the trust score satisfies trust criteria, enabling one or more transfer features associated with a real-time transfer protocol and sending to the client device, a signal modifying a user interface displayed on the client device indicating the enabling of the one or more transfer features associated with the real-time transfer protocol.

11. The computer-implemented method of claim 10 , wherein enabling the one or more transfer features associated with the real-time transfer protocol includes:

sending, to the client device, a signal enabling a selectable option on the user interface displayed on the client device to initiate the transfer of the data to the particular data record using the real-time transfer protocol.

12. The computer-implemented method of claim 11 , further comprising:

receiving, from the client device, a signal indicating selection of the selectable option to initiate the transfer to the particular data record using the real-time transfer protocol; and

responsive to receiving the signal indicating selection of the selectable option to initiate the transfer to the particular data record using the real-time transfer protocol, initiate the transfer of the data to the particular data record using the real-time transfer protocol.

13. The computer-implemented method of claim 12 , further comprising:

determining that the transfer of the data to the particular data record using the real-time transfer protocol has completed; and

responsive to determining that the transfer of the data to the particular data record using the real-time transfer protocol has completed, updating a database to increase the trust score for the particular data record.

14. The computer-implemented method of claim 10 , wherein enabling the one or more transfer features associated with the real-time transfer protocol includes:

enabling an increased transfer threshold for the transfer using the real-time transfer protocol.

15. The computer-implemented method of claim 14 , wherein the increased transfer threshold is based on the trust score associated with the particular data record.

16. The computer-implemented method of claim 10 , wherein the trust criteria includes a trust threshold and determining that the trust score satisfies the trust criteria includes determining that the trust score is above the trust threshold.

17. The computer-implemented method of claim 10 , wherein obtaining the trust score for the particular data record includes:

sending, to a database, a signal that includes information identifying the particular data record and requesting the trust score associated with the particular data record.

18. A non-transitory computer readable storage medium comprising processor-executable instructions which, when executed, configure a processor to:

receive, via a communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record;

determine that the particular data record is associated with a third party server;

obtain a trust score associated with the particular data record;

determine that the trust score satisfies trust criteria; and

responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol and send, via the communications module and to the client device, a signal modifying a user interface displayed on the client device indicating the enabling of the one or more transfer features associated with the real-time transfer protocol.

19. The server computer system of claim 1 , wherein data transfer using the real-time transfer protocol is irrevocable.

20. The computer-implemented method of claim 10 , wherein data transfer using the real-time transfer protocol is irrevocable.