Offsetting future account discrepancy assessments

An apparatus comprising:

• a non-transitory computer-readable medium comprising a communication interface configured to:
• receive, via a computer processing device, one or more payments for offsetting one or more future account discrepancy assessments, wherein the one or more payments are associated with an account;
• and
• receive, via a computer processing device, 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 computing device processor operatively connected to the communication interface and configured to:
• increase an account discrepancy allocation associated with the account based at least partially on the receiving the one or more payments;
• determine, based at least partially on the transaction information, that the account will incur an account discrepancy as a result of the transaction, wherein incurring an account discrepancy as a result of the transaction comprises the transaction being associated with a transaction amount that exceeds the available funds of the account;
• determine that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy wherein the communication interface is further configured to determine that the account discrepancy allocation is sufficient to offset the account discrepancy assessment;
• authorize the transaction based at least partially on the computing device processor determining that the one or more payments are sufficient wherein the communication interface is further configured to authorize the transaction based at least partially on the determining that the account discrepancy allocation is sufficient;
• and
• decrease the account discrepancy allocation based at least partially on authorizing the transaction.

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 account discrepancy assessments, wherein the one or more payments are associated with an account;
• increase an account discrepancy allocation associated with the account based at least partially on the computer receiving the one or more payments;
• 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 account discrepancy as a result of the transaction, wherein incurring an account discrepancy as a result of the transaction comprises the transaction being associated with a transaction amount that exceeds the available funds of the account;
• determine that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy wherein the computer determining that the one or more payments are sufficient comprises the computer determining that the account discrepancy allocation is sufficient to offset the account discrepancy assessment;
• authorize the transaction based at least partially on the computer determining that the one or more payments are sufficient wherein the computer authorizing the transaction comprises the computer authorizing the transaction based at least partially on the computer determining that the account discrepancy allocation is sufficient;
• and
• decrease the account discrepancy allocation based at least partially on the computer authorizing the transaction.

A method comprising:

• receiving, via a computer processing device, a payment for prepaying a future account discrepancy assessment, wherein the payment is associated with an account;
• receiving, via a computer processing device, an account discrepancy allocation associated with the account based at least partially on the receiving the payment;
• determining, using a computer processing device, that the account has incurred an account discrepancy assessment as a result of a transaction, wherein the transaction was initiated after the receiving the payment, wherein incurring an account discrepancy comprises as a result of the transaction comprises the transaction being associated with a transaction amount that exceeds the available funds of the account;
• and
• decreasing, using a computer processing device, the account discrepancy allocation based at least partially on the determining that the account has incurred the account discrepancy assessment.