SYSTEMS AND METHODS FOR OPTIMIZATIONS INVOLVING INSUFFICIENT FUNDS (NSF) CONDITIONS

摘要

Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.

主权项

1. A system, comprising:
at least one memory storing computer-executable instructions; and
at least one processor configured to access the at least one memory and to execute the computer-executable instructions to:identify a customer of a financial institution, wherein the customer is associated with a financial account at the financial institution;identify financial account data corresponding to one or more financial accounts at the financial institution that are associated with the customer, wherein the one or more financial accounts comprise the financial account;analyze the financial account data to determine a customer tolerance metric for the customer, wherein the customer tolerance metric is indicative of a tolerance associated with the customer for absorbing an actual or potential non-sufficient funds (NSF) fee assessed to the financial account;identify one or more business rules for determining a recommended overdraft limit, wherein the one or more business rules comprise at least one of: i) a customizable business rule configured to be customized based at least in part on the customer tolerance metric or ii) a default business rule; andexecute the one or more business rules to determine the recommended overdraft limit for association with the financial account.