| 主权项 |
1. An apparatus for forming an auth-process determination for a transaction executed using a balance-verified transaction identifier, the transaction identifier configured as a pointer to a customer demand deposit account (“DDA account”), the apparatus comprising:
a processor; a receiver, the receiver configured to receive:
identifier information from the balance-verified transaction identifier, said identifier information linked to the DDA; andtransaction information; and machine-readable memory; wherein, in response to the receipt of the balance-verified transaction identifier information and the transaction 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 customer financial information comprising present customer liquidity, possible near-term financial health volatility for the customer, a general overview of customer financial health, present customer liquid and illiquid financial health, and at least one predictive indicator of customer future financial health; wherein the processor is further configured to calculate an auth-processes determination based at least in part on the retrieved DDA account information and the customer financial information; wherein the processor is further configured to store, in real time, an auth-process determination indicator, the auth-process determination indicator corresponding the calculated auth-process determination; and wherein the processor is further configured to cause to display the auth-process determination indicator to an entity responsible for an auth-decision of the transaction in order to auth-decision the transaction. |
