Transaction exception-based financial product offers

A method comprising:

• determining, by the computer device, a historical defect pattern based on accumulated transaction information history corresponding to a plurality of financial transactions that were processed within a banking system;
• generating, by the computer device, one or more business rules based on the defect pattern, the one or more business rules for determining a financial product for resolving defects in a financial transaction;
• determining, by the computer device, whether a defect is present in a current financial transaction;
• determining, by the computer device, a financial product using the one or more business rules based, at least in part, on the current defect in the financial transaction, customer profile information, and the historical defect pattern, wherein the financial product is for reducing a likelihood that such a defect will occur in the future;
• and
• communicating an offer for the financial product to a banking customer associated with the current financial transaction.