Patent ID: 9047639
Filing Date: 2015-06-02
Classification: G06Q

Abstract:
1. A method comprising: providing disclosure information to a user prior to receiving transaction request information associated with a transaction, wherein the disclosure information defines one or more terms of a deposit account discrepancy service; receiving transaction request information associated with a transaction, wherein the transaction involves a transaction machine and the user, wherein the transaction request information is received via the transaction machine, and wherein the transaction information request information identifies an account of the user; determining, based at least partially on the transaction request information, that the account will incur a deposit account discrepancy as a result of the transaction; in response to determining the account will incur a deposit account discrepancy as a result of the transaction, presenting, via a user interface associated with the transaction machine, reminder information associated with the one or more terms of the deposit account discrepancy service, wherein the reminder information indicates that if the account is discrepant for a pre-defined number of consecutive days an extended deposit account discrepancy amount will be assessed to the user's account; after presenting information associated with the determined deposit account discrepancy, prompting, via a user interface in real-time at the time of the transaction request, the user to consent to the deposit account discrepancy, wherein prompting the user to consent to the deposit account discrepancy comprises prompting the user to agree to the one or more terms of the deposit account discrepancy service defined in the disclosure information, wherein at least one term of the deposit account discrepancy service is presented in the reminder information, and wherein receiving the user's consent to the deposit account discrepancy comprises receiving the user's agreement to the one or more terms of the deposit account discrepancy service; receiving, via the user interface in real-time at the time of the transaction request, the user's consent to the deposit account discrepancy, wherein the user's consent to the deposit account discrepancy comprises the user's consent to completing the transaction using the deposit account discrepancy service; authenticating the user, wherein the user's consent to the deposit account discrepancy service is only accepted if the user's identity is authenticated; presenting, via the user interface, a confirmation message to the user, wherein the confirmation message comprises information that confirms the user's consent to the deposit account discrepancy; assessing the account a deposit account discrepancy amount based at least partially on determining the account settles negative at the end of day, wherein assessing the account a deposit discrepancy amount further comprises determining whether or not to assess the account an extended deposit account discrepancy amount, in response to determining whether or not the account has been discrepant for a pre-defined number of consecutive days; and determining not to assess the account a deposit account discrepancy amount based at least partially on determining that the account settles non-negative at the end of day.