Patent ID: 8271360

Claim:
A system for automatic approval of direct deposit payroll limit increases comprising: one or more computing processors; and one or more memories coupled to the one or more computing processors, the one or more memories having stored therein instructions which when executed by the one or more computing processors, perform a process comprising: establishing one or more direct deposit payroll limits for a customer business for a defined period of time; defining one or more qualification criteria that must be met in order for the customer business to be eligible for an automatic increase of any of the one or more direct deposit payroll limits, the one or more qualification criteria comprising the criterion that the total direct deposit payroll funds requested in the defined period of time, including the direct deposit payroll funds request, must be less than a defined multiple of the total direct deposit payroll limit for the defined period of time, the defined multiple being greater than 1; receiving a direct deposit payroll funds request from the customer business, the direct deposit payroll funds request exceeding at least one of the one or more direct deposit payroll limits; analyzing the direct deposit payroll funds request to determine if the one or more qualification criteria are met by the direct deposit payroll funds request; and if the one or more qualification criteria are met by the direct deposit payroll funds request, automatically increasing at least one of the one or more direct deposit payroll limits for the customer business to a value which is the current total direct deposit payroll limit plus a value of the current direct deposit payroll funds request, plus a buffer amount.