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:
Mar. 14, 2017
Filed:
Mar. 15, 2013
Bank of America Corporation, Charlotte, NC (US);
Tamara S. Kingston, Peoria, AZ (US);
John Franklin Tuders, Harrisburg, NC (US);
Ross Matthew Feldman, Matthews, NC (US);
Marc Lance Warshawsky, Davidson, NC (US);
Erik Stephen Ross, Charlotte, NC (US);
Elbert Lee Whitler, Webster Groves, MO (US);
Mark D. Zanzot, Huntersville, NC (US);
Ketil Bjugan, Charlotte, NC (US);
Scott Mastbrook, Charlotte, NC (US);
William Sydney Ivey, Charlotte, NC (US);
Mark Allan Nelson, Waxhaw, NC (US);
Brenda Lisbeth Smyth, Fenton, MO (US);
Doris Maria Garrett, Walnut Creek, CA (US);
Jonathan H. Tucker, Charlotte, NC (US);
Catherine Stokes Pullen, Mount Holly, NC (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 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.