Exceeded account threshold service involving exceeded account threshold magnetic stripe
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United States of America Patent
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Jun 2, 2015
Grant Date -
Aug 22, 2013
app pub date -
Mar 15, 2013
filing date -
Sep 10, 2010
priority date (Note) -
In Force
status (Latency Note)
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Abstract
In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information.
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