Offsetting future exceeded account threshold payments

An apparatus comprising:

• a communication interface configured to:
• receive one or more payments for offsetting one or more future exceeded account threshold payments, wherein the one or more payments are associated with an account;
• and
• receive transaction information associated with a transaction, wherein the transaction involves the account, and wherein the transaction is initiated after the communication interface receives the one or more payments;
• and
• a processor operatively connected to the communication interface and configured to:
• determine, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction;
• determine that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold;
• and
• authorize the transaction based at least partially on the processor determining that the one or more payments are sufficient.

A computer program product comprising a non-transitory computer-readable medium, wherein the non-transitory computer-readable medium comprises one or more computer-executable program code portions that, when executed by a computer, cause the computer to:

• receive one or more payments for offsetting one or more future exceeded account threshold payments, wherein the one or more payments are associated with an account;
• receive transaction information associated with a transaction, wherein the transaction involves the account, and wherein the transaction is initiated after the computer receives the one or more payments;
• determine, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction;
• determine that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold;
• and
• authorize the transaction based at least partially on the computer determining that the one or more payments are sufficient.

A method comprising:

• receiving a payment for prepaying a future exceeded account threshold payment, wherein the payment is associated with an account;
• increasing an exceeded account threshold allocation associated with the account based at least partially on the receiving the payment;
• determining, using a processor, that the account has incurred an exceeded account threshold payment as a result of a transaction, wherein the transaction was initiated after the receiving the payment;
• and
• decreasing the exceeded account threshold allocation based at least partially on the determining that the account has incurred the exceeded account threshold payment.