Patent ID: 9595036
Date: 2017-03-14
CPC Classifications: G06Q

Claim:
1. A computer-implemented method for consenting to an exceeded threshold via a mobile device of a holder of an account, the method comprising: enrolling the holder of the account in an exceeded available funds or credit service for the account; providing an authorization application for installation on the mobile device of the holder of the account; receiving an indication that the holder of the account wishes to execute a transaction at a transaction machine at a transaction location; establishing a first communication link with the transaction machine, wherein establishing the first communication link further comprises creating a data channel with the transaction machine; receiving, via the first communication link, transaction information associated with the transaction, wherein the transaction involves the account, the transaction machine, and the holder of the account, and wherein receiving the transaction information comprises receiving, from the holder, a primary passcode for authorizing transactions associated with the account; determining, based at least partially on the transaction information, that the account will incur the exceeded threshold as a result of processing the transaction; in response to determining that the account will incur the exceeded threshold as a result of processing the transaction, determining that the holder has enrolled in the exceeded available funds or credit service for the account; in response to determining that the holder has enrolled in the exceeded available funds or credit service for the account, and during a time period while the holder is at the transaction location, establishing a second communication link with the mobile device of the holder of the account, wherein establishing the second communication link further comprises creating a wireless data channel with the mobile device; in response to establishing the second communication link with the mobile device, prompting, via the second communication link, the mobile device to initiate the authorization application installed on the mobile device in real time to cause a graphical user interface of the mobile device to display a request for the holder to consent to the exceeded threshold via input of a secondary passcode to the mobile device, and to cause a speaker of the mobile device to output one or more audible instructions to the holder to consent to the exceeded threshold via input of the secondary passcode to the mobile device, and wherein prompting further comprises enabling the graphical user interface of the mobile device to receive input from the holder; receiving, via input provided by the holder at the mobile device, the secondary passcode, wherein the secondary passcode represents the consent of the holder to the exceeded threshold; and authorizing the transaction based at least partially on the receiving the consent of the holder, wherein authorizing further comprises transmitting control signals configured to cause the transaction machine to complete execution of the transaction.