Service for exceeding account thresholds via transaction machine

摘要

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. 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 exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

主权项

1. A computer-implemented method for facilitating consenting to an exceeded threshold, the method comprising:
enrolling a holder of an account in an exceeded available funds or credit service for the account; providing an authorization application for installation on a transaction machine at a transaction location; receiving an indication that the holder of the account wishes to execute a transaction at the transaction machine at the transaction location; establishing a first communication link with the transaction machine, wherein establishing further comprises creating a data channel with the transaction machine; receiving, via the first communication link, transaction information associated with the transaction, wherein the transaction involves the account, the transaction machine, and the holder of the account, and wherein receiving the transaction information comprises receiving, from the holder, a primary passcode for authorizing transactions associated with the account; determining, based at least partially on the transaction information, that the account will incur the exceeded threshold as a result of processing the transaction; in response to determining that the account will incur the exceeded threshold as a result of processing the transaction, determining that the holder has enrolled in the exceeded available funds or credit service for the account; in response to determining that the holder has enrolled in the exceeded available funds or credit service for the account, and during a time period while the holder is at the transaction location, prompting, via the first communication link, the transaction machine to initiate the authorization application in real time to cause a graphical user interface of the transaction machine to display a request for the holder to consent to the exceeded threshold via input of a secondary passcode to the transaction machine and to cause a speaker of the transaction machine to output one or more audible instructions to the holder to consent to the exceeded threshold via input of the secondary passcode to the transaction machine, and wherein prompting further comprises enabling the graphical user interface of the transaction machine to receive input from the holder; receiving, via input provided by the holder at the transaction machine, the secondary passcode, wherein the secondary passcode represents the consent of the holder to the exceeded threshold; and authorizing the transaction based at least partially on the receiving the consent of the holder, wherein authorizing further comprises transmitting control signals configured to cause the transaction machine to complete execution of the transaction.