公开(公告)号：US20240281819A1

公开(公告)日：2024-08-22

申请号：US18111668

申请日：2023-02-20

Applicant: Affirm, Inc.

Inventor： Johan Backman ,  Ned Jackson lovely ,  Laurence Duggan

IPC: G06Q20/40 ,  G06Q40/03

CPC classification number: G06Q20/4037 ,  G06Q40/03

Abstract: A method for facilitating minimization of insufficient funds returns for ACH transfers associated with transactions may include receiving an account status associated with a bank account of a customer having a value card associated with financial transactions from the bank account, receiving status update information including account transaction data and/or user profile information associated the bank account of the customer, modifying the account status to determine an estimated account balance for the bank account based on the status update information, receiving an indication of a financial transaction involving the value card between the customer and a merchant and for which an ACH request is to be issued with respect to the bank account, employing responsive to the indication of the financial transaction a scoring algorithm based on the estimated account balance and an amount of the financial transaction to determine a success score indicative of a likelihood of avoiding an insufficient funds return for the ACH request, and determining based on the success score whether to approve the financial transaction.