A system for securing accounts and features within such accounts, which may allow user interaction and may provide increased security and usability of accounts to users by providing real-time, flexible, selection of features. Selection of features may be performed remotely. Such features may include the ability to select an overdraft feature in real-time when a need for the overdraft feature is determined to be needed. This may provide the user a degree of control to precisely define the scope of the overdraft feature, thus better securing the use of the user's account.

A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.

A method is disclosed and includes receiving, by a record server computer from a first processing network computer, a token, a device identifier associated with a user device, a session identifier associated with a registration request, and metadata about the token, and then receiving a metadata request from a second processing network computer in response to the second processing network computer receiving an authorization request message comprising the token, and the device identifier and/or the session identifier. The metadata request comprises at least the device identifier and/or the session identifier. The method also includes retrieving, by the record server computer, metadata associated with the metadata request, and providing the metadata to the second processing network computer. The second processing network computer processes the authorization request message using the token and the metadata.

A printing and copying system is provided that includes a server configured to manage user account information related to a user, and an apparatus connected to the server, the apparatus configured to send a printing request or a copying request to the server. The user account information includes a plurality of wallets associated with the user, and the plurality of wallets each represent funds available to the user. The server is configured to determine whether to authorise the printing request or copying request based on the funds available in the plurality of wallets.

A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.

A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

The present automated trustee payments system implements a series of automated processes which significantly reduce, and in many cases, eliminate a creditor user's work that is required to accurately and timely process incoming Chapter 13 Trustee remittances. The automated trustee payments system also effects application of the funds to the proper bankrupt debtor accounts and accounts for the funds against the proper creditor's loan account segments (e.g., the bankruptcy estate pre-petition indebtedness or the post-petition ongoing payments).

A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.