Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. 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, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. 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, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for serving a user at a facility. In some embodiments, a system is configured to determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; determine the transaction can be executed on the mobile device; and in response to determining the transaction can be executed on the mobile device, demonstrate the transaction to the user, wherein the demonstration assists the user to execute the transaction.

Abstract: A system provides assistance to a user having a user device proximate a financial institution location by receiving a communication initiated by an application running on the user device without initiation by the user; establishing a connection with the user device; determining an identity of the user; determining a user purpose for visiting the location; and communicating instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location. In some embodiments, the identity of the user is determined by determining whether a received PIN matches a stored PIN associated with a device ID received from the user device.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for provide a user with a central location that links one or more of the user's financial accounts into a single location for viewing and transacting with any of the one or more financial accounts. As such, the invention provides a facilitated access to one or more user financial accounts from any or all financial institutions consolidated into one source. Embodiments of the present invention provide a system for financial account linkage. Specifically, embodiments of the invention allow for monitoring, viewing, transacting, and transferring funds associated with any of the financial accounts of a user. The financial account monitoring program may be provided to a user via his/her mobile device in an interactive account monitoring/transaction fashion.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. 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, a transaction machine, and a holder of the 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) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. 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, a transaction machine, and a holder of the 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) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.