OVERAGE SERVICE USING OVERAGE PASSCODE
First Claim
Patent Images
1. A method comprising:
- receiving transaction information associated with a transaction, wherein the transaction involves an account;
determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction;
receiving an overage passcode associated with the account; and
authorizing the transaction based at least partially on the receiving the overage passcode.
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Abstract
In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode.
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Citations
48 Claims
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1. A method comprising:
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receiving transaction information associated with a transaction, wherein the transaction involves an account; determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; receiving an overage passcode associated with the account; and authorizing the transaction based at least partially on the receiving the overage passcode. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. An apparatus comprising:
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a communication interface configured to; receive, via a payment network, transaction information associated with a transaction, wherein the transaction involves an account; and receive an overage passcode associated with the account; a processor operatively connected to the communication interface and configured to; determine, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; and authorize the transaction based at least partially on the communication interface receiving the overage passcode. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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34. A computer program product comprising a non-transitory computer-readable medium, wherein the non-transitory computer-readable medium comprises one or more computer-executable program code portions that, when executed by a computer, cause the computer to:
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receive transaction information associated with a transaction, wherein the transaction involves an account; determine that the account will incur an overage as a result of the transaction; receive an overage passcode associated with the account after the computer determines that account will incur an overage; and authorize the transaction based at least partially on the computer receiving the overage passcode. - View Dependent Claims (35, 36, 37, 38, 39)
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40. A method comprising:
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receiving an authorization request associated with a transaction, wherein the transaction involves an account, and wherein the account is associated with a primary passcode; determining that the account does not have sufficient funds or credit to cover the transaction; determining that the authorization request comprises the primary passcode; declining the authorization request based at least partially on the determining that the authorization request comprises the primary passcode and the determining that the account does not have sufficient funds or credit; receiving a second authorization request associated with a second transaction, wherein the second transaction involves the account; determining that the second authorization request comprises an overage passcode associated with the account; and approving the second authorization request based at least partially on the determining that the second authorization request comprises the overage passcode. - View Dependent Claims (41, 42, 43)
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44. A method comprising:
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presenting, by a holder of an account, account information at a transaction machine to engage in a transaction, wherein the account information is associated with the account; receiving, by the holder, a message that prompts the holder to provide an overage passcode associated with the account, wherein the receiving occurs while the holder is still at the transaction machine; and inputting, by the holder, the overage passcode into the transaction machine or into a mobile device accessible to a holder, wherein the inputting occurs while the holder is still at the transaction machine, and wherein the transaction is approved after the holder inputs the overage passcode. - View Dependent Claims (45, 46, 47, 48)
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Specification