| 主权项 |
1. An apparatus for forming an auth-process determination for a point of sale (“POS”)-purchase executed using a balance-verified automated clearing house (“ACH”) identifier, the ACH identifier configured as a pointer to a DDA account, the apparatus comprising:
a processor; a receiver, the receiver configured to receive:
identifier information from the balance-verified ACH identifier, said identifier information linked to the DDA; andpurchase information; and machine-readable memory; wherein, in response to the receipt of the balance-verified ACH identifier information and the purchase information, the processor is configured to retrieve DDA account information said retrieval implemented using previously-entered DDA account access information; wherein the processor is configured to retrieve additional purchaser financial information comprising present user liquidity, possible near-term financial health volatility, general overview of user financial health, present user liquid and illiquid financial health, and at least one predictive indicator of user future financial health; wherein the processor is further configured to store, in real time, an auth-process determination indicator in the memory at the POS; and wherein the processor is further configured to cause to display the auth-process determination indicator to a POS operator in order to auth-decision the purchase. |
