one
SYSTEMS AND METHODS FOR OVERPAYMENT HANDLING

Abstract:

A method and system for handling overpayment may include an account database containing account information for one or more accounts associated with a user, and the one or more accounts may include a first account associated with the user and the account information includes a balance reflecting liabilities and pending transactions for the first account. A method and system for handling overpayment may include an offer database containing offer information, the offer information including one or more enhancements relating to one or more additional accounts. A method and system for handling overpayment may include a server containing a processor. Upon receiving payment funds that exceed the balance of the first account, the processor may apply a portion of the payment funds equal to the balance of the first account and query the offer database for one or more enhancements applicable to the one or more additional accounts.