Abstract: A real-time transaction interrogation and determination module that can identify if a cardholder transaction has been declined for insufficient funds. This module, 2nd Chance, identifies if a transaction will be declined as NSF then routes the transaction request to the loan company, lender, and/or card issuer via the a Web Service to request a micro loan. Should the loan request be approved, the cardholders available funds are increased by the approved loan amount via online card load and the transaction is approved and returned to the merchant/ATM. If the request is denied, the declined transaction response is returned to the merchant/ATM as NSF.

Abstract: An air filtration device for a helmet protective face mask comprising, a filtration shield, adapted to receive at least one filter and means for securely engaging the filtration shield to the helmet protective face mask, wherein the filtration shield comprises a shape for fitting substantially snugly within an inside surface of the helmet protective face mask.