In some examples, a predictive model is trained to determine account balances over which funds in user accounts are predicted to be surplus. Data of a first account of a user is input into the trained predictive model to determine a balance over which a portion of funds in the first account are predicted to be surplus funds for a period of time. A user device of the user presents a user interface that indicates predicted expenses and predicted income for a plurality of periods of time including the period of time. The user interface further indicates the surplus funds for the period of time and includes an interactive element for indicating disposition of the surplus funds. Based on receiving, via the user interface, an indication of an action to perform with respect to the surplus funds, at least one instruction is sent for performing the indicated action.

A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

A method for issuing instant credit for a transaction includes: receiving an authorization response for a declined payment transaction, wherein the authorization response is formatting according to one or more standards and includes at least a primary account number and a response code indicating a decline; identifying one or more eligibility rules; determining eligibility of a used transaction account associated with the primary account number for instant credit based on at least the identified one or more eligibility rules and data stored in an account profile related to the used transaction account; transmitting at least the determined eligibility of the transaction account to a computing device; receiving an instant credit request; determining a funding transaction account based on at least the data stored in the account profile related to the used transaction account and one or more credit rules; and transmitting at least the determined funding transaction account.

A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

A method for retrying processing of a controlled payment transaction includes: storing, in a first database, account profiles, each including data related to a transaction account including an account identifier and account controls; storing, in a second database, the account profiles stored in the first database, wherein data in each account profile in the second database corresponds to data in the corresponding account profile in the first database; receiving an authorization request for a transaction, the request including a specific account identifier and transaction data; determining an approval or denial of the transaction based on the account controls included in a profile in the second database including the specific account identifier and the transaction data if an attempt to determine approval or denial based on the account controls included in a corresponding account profile in the first database fails; and processing the payment transaction based on the determination.

Service management systems and associated methods are disclosed herein. In one embodiment, a service management system can include a system for delivering various types of services including property management services, residential rental services, social services, low income housing services, and/or the like. One aspect of the disclosure is directed toward a computer implemented service management process (e.g., a property management process) that includes maintaining an inventory of property associated with a rental program, providing information associated with the rental program, processing an application to enter the program from a potential program participant, and administering various program elements of the rental program. In selected embodiments, the method can further include providing products/services and/or providing advertising. In still further embodiments, the method can include terminating the program participant's participation in the rental program/service management process.

Techniques for adjusting blockchain balances are described. One example of a method includes detecting changes to blockchain balances deposited on an anchor point in a blockchain, wherein the changes to the blockchain balances are caused by transactions submitted by one or more members of a blockchain network that maintains the blockchain; querying, by a member of the blockchain network associated with the anchor point, a blockchain balance deposited on the anchor point in the blockchain; determining whether a changed amount of the blockchain balance is greater than or equal to a predetermined change threshold; and in response to determining that the changed amount of the blockchain balance is greater than or equal to a predetermined change threshold, initiating, by the member, a balance adjusting contract operation to adjust the blockchain balance so that the changed amount is less than the predetermined change threshold.

A request for fund flow of a specified amount between a payer and a payee is received by a first member of a blockchain. A fund flow route between the first member and a second member corresponding to the payee in the blockchain is determined by the first member, where the fund flow route comprises the first member, the second member, and several relay members, and blockchain balances deposited by all members of the fund flow route at all anchor points of the blockchain are registered in a blockchain ledger of the blockchain. A fund flow contract operation is initiated by the first member. In response to initiating the fund flow contract operation, the blockchain balances of all the members of the fund flow route registered in the blockchain ledger are uniformly changed, where the second member pays funds of the specified amount to the payee.

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

The present invention is directed to a system, method, and apparatus for managing a packaging article secured via a locking unit alterable between a locked state and an unlocked state. An indication that a user desires to handle the article may be received and an authorization of the user to handle the article may be performed. An actuator may cause the locking unit to alter from the locked state to the unlocked state, for example, based on the user being authorized to handle the article. Based on the user desiring to purchase the article, inventory information of the article may be updated by decreasing the number of articles in inventory by the article purchased. An account of the user may be charged a cost of the article. An indication may be provided to the user that the article has been purchased.