Patent ID: 8423452
Filing Date: 2013-04-16
Classification: G06Q

Abstract:
1. A computer-assisted method for alerting a user of a potential negative balance condition in a financial account, the method comprising: estimating, using a processor, a future account balance of the financial account based on at least one real time representation of an account transaction and at least one future account transaction; determining, using the processor, whether the future account balance will be a negative value; generating for display, using the processor, an alert, in a graphical format, to the user that signifies when the future account balance is the negative value; and rescheduling an automatic bill payment from the financial account when the future account balance is the negative value, wherein the rescheduling causes, in real time, data in a source to be changed such that the automatic bill payment is scheduled to occur on a rescheduled date.