Patent ID: 9378492
Filing Date: 2016-06-28
CPC Classification: G06Q

Claim Text:
1. A computer program product embodied on a non-transitory computer readable medium, comprising computer code for: using a payment gateway interface of a computer system to a payment gateway on a network that facilitates payments, monitoring traffic communicated over the payment gateway; automatically detecting, through the interface of the computer system from the monitored traffic, that a non-sufficient funds (NSF) error has occurred in the network, the NSF error being associated with a transaction of a consumer of the network while attempting to charge a first account including a direct billing account having insufficient funds; using a service provider interface of the computer system to a service provider system provisioning the network, accessing information of the consumer stored by the service provider system; automatically determining through the service provider interface of the computer system from the information of the consumer, that the consumer has designated a plurality of alternative accounts, including: responsive to the detecting that the NSFT error has occurred and the determining that the consumer has designated the plurality of alternative accounts: