Invention Grant
- Patent Title: Service for exceeding account thresholds via transaction machine
- Patent Title (中): 通过交易机器超出帐户门槛的服务
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Application No.: US13840519Application Date: 2013-03-15
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Publication No.: US09595035B2Publication Date: 2017-03-14
- Inventor: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
- Applicant: BANK OF AMERICA CORPORATION
- Applicant Address: US NC Charlotte
- Assignee: Bank of America Corporation
- Current Assignee: Bank of America Corporation
- Current Assignee Address: US NC Charlotte
- Agency: Moore & Van Allen PLLC
- Agent Michael A. Springs; Peter B. Stewart
- Main IPC: G06Q20/00
- IPC: G06Q20/00 ; G06Q20/40 ; G06Q20/22 ; G06Q20/36 ; G06Q20/42 ; G06Q20/20

Abstract:
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.
Public/Granted literature
- US20130218694A1 SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA TRANSACTION MACHINE Public/Granted day:2013-08-22
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