Patent ID: 8589299

Claim:
A method comprising: receiving, using a processor, transaction information associated with a transaction, wherein the transaction involves an account, wherein the account is held by a holder, and wherein the transaction comprises a transaction amount; determining, using a processor, based at least partially on the transaction information, that the account does not have enough available funds or credit to cover the transaction amount; prompting, using a processor, a member of a coverage network to consent to covering at least part of the transaction amount, wherein the coverage network is associated with the account or the holder, and wherein the prompting occurs after the determining that the account does not have enough available funds or credit, wherein the member and the holder are members of the same social network provided by a particular social networking service, and wherein the prompting the member comprises prompting the member via a message specific to the particular social networking service; receiving, using a processor, the member's consent to covering at least part of the transaction amount; and authorizing, using a processor, the transaction based at least partially on the receiving the member's consent.