Patent ID: 8527414

Claim:
A method comprising: receiving, via a computer processing device, one or more payments for offsetting one or more future account discrepancy assessments, wherein the one or more payments are associated with an account; increasing, using a computer processing device, an account discrepancy allocation associated with the account based at least partially on receiving the one or more payments; receiving, via a computer processing device, transaction information associated with a transaction, wherein the transaction involves the account, and wherein the transaction is initiated after receiving the one or more payments; determining, using a computer processing device, based at least partially on the transaction information, that the account will incur an account discrepancy as a result of the transaction, wherein incurring an account discrepancy as a result of the transaction comprises the transaction being associated with a transaction amount that exceeds the available funds of the account; determining, using a computer processing device, that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy wherein determining that the one or more payments are sufficient comprises determining that the account discrepancy allocation is sufficient to offset the account discrepancy assessment; authorizing, using a computer processing device, the transaction based at least partially on the determining that the one or more payments are sufficient wherein authorizing the transaction comprises authorizing the transaction based at least partially on the determining that the account discrepancy allocation is sufficient; and decreasing, using a computer processing device, the account discrepancy allocation based at least partially on the authorizing the transaction.