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:
Nov. 29, 2016
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 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.