The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 02, 2015
Filed:
Mar. 15, 2013
Bank of America Corporation, Charlotte, NC (US);
Tamara S. Kingston, Peoria, AZ (US);
Willard Andrew Barr, Charlotte, NC (US);
Doris Maria Garrett, Walnut Creek, CA (US);
Mark Allan Nelson, Waxhaw, NC (US);
Jonathan H. Tucker, Charlotte, NC (US);
John Franklin Tuders, Harrisburg, NC (US);
Elbert Lee Whitler, Webster Groves, MO (US);
Paul Ronald DeKoster, Matthews, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
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.