Patent ID: 8381975

Claim:
A method comprising: receiving information associated with a deposit item; determining a deposit amount for the deposit item based at least partially on the information associated with the deposit item; determining a payee account to receive the deposit item based at least partially on the information associated with the deposit item; determining, using a processor, a first hold limit for the payee account based at least partially on (a) a total liability balance associated with the payee account, or (b) a record that the payee account has gone to loss due to funds not being available for a transaction; determining, using a processor, (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account; increasing or decreasing, using a processor, the first hold limit or the account balance based on the one or more other characteristics associated with the payee account; determining, using a processor, a second hold limit as the sum of the first hold limit and the calculated account balance; and determining, using a processor, a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit.