Bank of America Corporation

Brenda Lisbeth Smyth

Erik Stephen Ross

Mark Allan Nelson

Mark D Zanzot

Tamara S Kingston

John Tuders

Elbert Lee Whitler

Marc Lance Warshawsky

Ketil Bjugan

Doris Maria Garrett

Paul Ronald DeKoster

Jonathan H Tucker

William Sydney Ivey

Catherine Stokes Pullen

Scott Mastbrook

Ross Matthew Feldman

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Service for exceeding account thresholds via mobile device

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Service for exceeding account thresholds via transaction machine

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Fenton, MO, United States of America

Brenda Lisbeth Smyth