Abstract: Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for user interactions. The application may be utilized by a user in connection with a third party exchange system, small business, or individually. As such, the invention may extract data from multiple user and competitor locations. The invention coordinates the data and generates components for the dashboard that includes resource flows, outside entity user information, and aggregation integration in a customizable, real-time modified dashboard. Thus providing monitoring and alerts for inventorying, resources, and invoicing. Furthermore, the system may identify underpenetrated customer populations, perform trend analysis to identify potential customers, and the like. Finally, the system integrates an artificial intelligence engine for real-time data digestion and future predictions for resource flows.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for user interactions. The application may be utilized by a user in connection with a third party exchange system, small business, or individually. As such, the invention may extract data from multiple user and competitor locations. The invention coordinates the data and generates components for the dashboard that includes resource flows, outside entity user information, and aggregation integration in a customizable, real-time modified dashboard. Thus providing monitoring and alerts for inventorying, resources, and invoicing. Furthermore, the system may identify underpenetrated customer populations, perform trend analysis to identify potential customers, and the like. Finally, the system integrates an artificial intelligence engine for real-time data digestion and future predictions for resource flows.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for small business interaction. The application may be utilized by a small business and comprise three aggregation components from one or more extraction sources. As such, the invention may extract data and generate components for the dashboard that include information about the business utilization of entity products, third party products, and aggregation integration. Furthermore, the system may identify business underpenetrated customer populations, perform trend analysis to identify potential customers, and the like. Using this data, the system may generate marketing concepts for the business to target the underpenetrated customer populations. In addition, the system may monitor and provide recommendations for inventorying and invoicing. As such, the system may track trending data, past orders of the business, and the like to predict inventory requirements for the business.

Abstract: 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.

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.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. 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, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; 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 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.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage 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 overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage 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 overage swipe information.