Preemptive data processing to mitigate against overdraft and declined transaction

A user device, comprising:

• a processor;
• a display unit;
• a wireless communications hardware unit;
• and
• a non-transitory computer-readable medium having stored thereon instructions that are executable to cause the system to perform operations comprising:
• determining, at the user device, location data generated from the wireless communications hardware unit of the user device, wherein the wireless communications hardware unit includes at least one of a global positioning system (GPS) receiver or a wireless data network transmitter;
• transmitting the location data to a server system for a determination whether a potential account overdraft exists for an account of a user of the user device;
• receiving, from the server system, a notification of the potential account overdraft, wherein the notification includes one or more electronically selectable options intended to prevent the potential account overdraft;
• displaying, on the display unit, the one or more electronically selectable options intended to prevent the potential account overdraft;
• and
• receiving, from the user, a selection of a particular one of the one or more electronically selectable options intended to prevent the potential account overdraft.

A method, comprising:

• determining, at a user device, location data generated from a wireless communications hardware unit of the user device, wherein the wireless communications hardware unit includes at least one of a global positioning system (GPS) receiver or a wireless data network transmitter;
• transmitting the location data from the user device to a server system for a determination whether a potential account overdraft exists for an account of a user of the user device;
• receiving, at the user device from the server system, a notification of the potential account overdraft, wherein the notification includes one or more electronically selectable options intended to prevent the potential account overdraft;
• displaying, on a display unit of the user device, the one or more electronically selectable options intended to prevent the potential account overdraft;
• and
• receiving, at the user device from the user, a selection of a particular one of the one or more electronically selectable options intended to prevent the potential account overdraft.

A non-transitory computer-readable medium having stored thereon instructions executable by a user device to cause the user device to perform operations comprising:

• determining location data generated from a wireless communications hardware unit of the user device, wherein the wireless communications hardware unit includes at least one of a global positioning system (GPS) receiver or a wireless data network transmitter;
• transmitting the location data to a server system for a determination whether a potential account overdraft exists for an account of a user of the user device;
• receiving, from the server system, a notification of the potential account overdraft, wherein the notification includes one or more electronically selectable options intended to prevent the potential account overdraft;
• displaying, on a display unit of the user device, the one or more electronically selectable options intended to prevent the potential account overdraft;
• and
• receiving, from the user, a selection of a particular one of the one or more electronically selectable options intended to prevent the potential account overdraft.