Bank of America Corporation

Paul Ronald DeKoster

Tamara S Kingston

John Tuders

Doris Maria Garrett

Mark Allan Nelson

Elbert Lee Whitler

Jonathan H Tucker

Erik Stephen Ross

Mark D Zanzot

Marc Lance Warshawsky

Ketil Bjugan

Catherine Stokes Pullen

William Sydney Ivey

Willard Andrew Barr

Scott Mastbrook

Brenda Lisbeth Smyth

Ross Matthew Feldman

John Harden Quintiliani

Lomney Ann Bryan

Brian Thomas Borders

Katherine Elizabeth Sutton

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

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit 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; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.

Service for account with unavailable funds or credit using a passcode

In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.

Exceeded account threshold service involving exceeded account threshold magnetic stripe

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at 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 a transaction machine and a user of the transaction machine, and where the transaction information identifies an account; (b) determining, based at least partially on the transaction information, that the account will meet a pre-defined condition as a result of the transaction; (c) presenting, via a user interface associated with the transaction machine, information associated with a service to address the condition; (d) prompting, via the user interface, the user to consent to the service; (e) receiving, via the user interface, the user's consent to the service; and (f) presenting, via the user interface, a confirmation message to the user, where the confirmation message includes information that confirms the user's consent to the service.

Service participation acknowledgement system

Growing community of inventors

Matthews, NC, United States of America

Paul Ronald DeKoster