Methods and systems for processing and communicating financial transaction data

A system for processing financial information of a client of a financial institution, said system comprising:

• a computer processor and at least one operatively associate data storage memory device comprising an overdraft application for receiving data from an overdraft data source, said data including at least one overdraft occurrence associated with a transaction performed in association with said client, said overdraft application configured for analyzing said overdraft occurrence to determine a cause of said overdraft occurrence and a disposition for said overdraft occurrence in connection with said cause;
• the overdraft application being configured for determining a chronic overdraft occurrence designation for said client in response to:
• (i) multiple overdraft occurrences occurring within the same predetermined time period, and
• (ii) a predetermined dollar amount associated with the multiple overdraft occurrences;
• and
• a server connection for communicating an overdraft report associated with said analysis of said overdraft occurrence.

A computer-readable memory device containing instructions for assisting a computer system to perform a method for processing financial information of a client of a financial institution, said method comprising:

• electronically receiving data from an electronic overdraft data source, said data including at least one overdraft occurrence associated with a transaction performed in association with said client;
• analyzing said overdraft occurrence in an overdraft application to determine a cause of said overdraft occurrence and a disposition for said overdraft occurrence in connection with said cause, wherein the overdraft application includes an electronic computer processor and at least one operatively associated electronic data storage medium;
• and
• electronically generating an overdraft report, wherein said overdraft report contains observations of said analyzing;
• determining with said overdraft application a chronic overdraft occurrence designation for said client in response to:
• (i) multiple overdraft occurrences occurring within the same predetermined time period, and
• (ii) a predetermined dollar amount associated with the multiple overdraft occurrences.