System and method for payment account fee prevention

Abstract

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for payment account fee prevention. A system monitors purchases made by a payment account, the account having a penalty fee that is applied due to purchase inactivity during a period of time and withdraws an amount of money from the payment account prior to the end of the period of time when the system indicates purchase inactivity to avoid the penalty fee application. The amount of money is calculated as a percentage of the penalty fee, such that a user is charged a lesser fee by the system than an entity collecting the penalty fee for account inactivity. In one embodiment, the system presents an interactive notice with an optional product advertisement, as a reminder to the user via a device, enabling a payment to an entity prior to the end of the period of time.

Dependencies are inferred from the claim text.