Service for account with unavailable funds or credit using a passcode

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9508076
APP PUB NO 20130218777A1
SERIAL NO

13840586

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit 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 exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.

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First Claim

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Patent Owner(s)

  • BANK OF AMERICA CORPORATION

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barr, Willard Andrew Charlotte, US 7 268
DeKoster, Paul Ronald Matthews, US 9 237
Garrett, Doris Maria Walnut Creek, US 11 465
Kingston, Tamara S Peoria, US 28 987
Nelson, Mark Allan Waxhaw, US 23 384
Tucker, Jonathan H Charlotte, US 10 340
Tuders, John Franklin Harrisburg, US 20 1238
Whitler, Elbert Lee Webster Groves, US 23 448

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