Patent ID: 9508076
Filing Date: 2016-11-29
CPC Classification: G06Q

Claim Text:
1. A method comprising: enrolling, via a computer processing device, an account holder in an exceeded available funds or credit service for an account; receiving, via the computer processing device, transaction information associated with a transaction, wherein the transaction involves the account, and wherein receiving the transaction information further comprises receiving, from the account holder, a primary passcode for authorizing transactions associated with the account; determining, using the computer processing device, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of processing the transaction; in response to determining that the account will exceed available funds or credit as a result of processing the transaction, determining that the account holder has enrolled in the exceeded available funds or credit service for the account; identifying a mobile device of the account holder based on determining that the account holder has enrolled in the exceeded available funds or credit service; in response to determining that the account holder has enrolled in the exceeded available funds or credit service, prompting, via the computer processing device, the account holder to provide a secondary passcode for authorizing transactions that will exceed the available funds or credit of the account as a result of processing the transactions, wherein the secondary passcode is a single-use passcode, wherein prompting the account holder comprises causing the mobile device to display a graphical user interface that is configured to receive the secondary passcode from the account holder; receiving, via the computer processing device, the secondary passcode for authorizing transactions that will exceed the available funds or credit of the account as a result of processing the transactions, wherein the secondary passcode indicates that the account holder consents to causing the account to exceed the available funds or credit of the account as a result of processing the transaction; and authorizing, using the computer processing device, the transaction based at least partially on the determining that the account holder has enrolled in the exceeded available funds or credit service and receiving the secondary passcode.