Systems and methods for managing cash advances

Abstract

Systems and methods are provided for managing a cash advance service associated with a payment account of a user. An exemplary method may include providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service. The method may also include receiving, through the application interface, a request to enable the cash advance service. The method may further include associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted. The method may further include receiving a cash advance transaction authorization request associated with the payment account. The method may further include approving the cash advance transaction authorization request when the condition is met and declining the cash advance transaction authorization request when the condition is not met.

1 - 20 . (canceled) 
     
     
         21 . A system for managing a cash advance service associated with a payment account of a user, the system comprising:
 one or more memory devices storing instructions; and   one or more processors configured to execute the instructions to perform operations comprising:
 setting a cash advance service to a default setting of disabled; 
 receiving, through an application interface of a user device, a request to enable the cash advance service; 
 in response to the request to enable the cash advance service, associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted, 
 receiving a cash advance transaction authorization request associated with the payment account from a computing device; 
 determining, responsive to the cash advance transaction authorization request, whether the transaction rule is satisfied; 
 approving the advance transaction authorization request when the transaction rule is satisfied; 
 declining the cash advance transaction authorization request when the transaction rule is not satisfied; 
 transmitting the determination to the computing device. 
   
     
     
         22 . The system of  claim 21 , wherein the operations comprise reverting the cash advance service to the default setting. 
     
     
         23 . The system of  claim 21 , wherein the condition specifies a window of time and the condition is met when the cash advance transaction authorization request is received within the window of time. 
     
     
         24 . The system of  claim 23 , wherein the operations comprise:
 receiving, from the user device, a request to disable the cash advance service prior to an expiration of the window of time; and   in response to the request to disable the cash advance service, modifying the transaction rule such that the condition is not applied for a subsequent cash advance transaction authorization request.   
     
     
         25 . The system of  claim 24 , wherein the operations comprise:
 setting, in response to the request to enable the cash advance service, a timer associated with a duration of the window of time.   
     
     
         26 . The system of  claim 25 , wherein the operations comprise:
 providing, to the user device, data indicative of the duration of the window of time, the data being synchronized with the timer.   
     
     
         27 . The system of  claim 23 , wherein the window of time is a predetermined duration specified in at least one of minutes or hours. 
     
     
         28 . The system of  claim 23 , wherein the operations comprise:
 providing, to the computing device, instructions for displaying information representing a remaining time in which the cash advance service is enabled, the remaining time being based on the window of time.   
     
     
         29 . The system of  claim 23 , wherein the operations comprise:
 disabling the cash advance service after the window of time expires.   
     
     
         30 . The system of  claim 21 , wherein the operations comprise:
 providing, to the user device, instructions for displaying an indication of whether the cash advance service is enabled or disabled.   
     
     
         31 . A computer-implemented method for managing a cash advance service associated with a payment account of a user, the method comprising:
 setting a cash advance service to a default setting of disabled;   receiving, through an application interface of a user device, a request to enable the cash advance service;   in response to the request to enable the cash advance service, associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted,   receiving a cash advance transaction authorization request associated with the payment account from a computing device;   determining, responsive to the cash advance transaction authorization request, whether the transaction rule is satisfied;   approving the advance transaction authorization request when the transaction rule is satisfied;   declining the cash advance transaction authorization request when the transaction rule is not satisfied;   transmitting the determination to the computing device.   
     
     
         32 . The method of  claim 31  comprising reverting the cash advance service to the default setting. 
     
     
         33 . The method of  claim 31 , wherein the condition specifies a window of time and the condition is met when the cash advance transaction authorization request is received within the window of time. 
     
     
         34 . The method of  claim 33 , comprising:
 receiving, from the user device, a second request to disable the cash advance service prior to an expiration of the window of time; and   in response to the second request, modifying the transaction rule such that the condition is not applied for a subsequent cash advance transaction authorization request.   
     
     
         35 . The method of  claim 33 , comprising:
 setting, in response to the request to enable the cash advance service, a timer associated with a duration of the window of time.   
     
     
         36 . The method of  claim 35 , comprising:
 providing, to the user device, data indicative of the duration of the window of time, the data being synchronized with the timer.   
     
     
         37 . The method of  claim 33 , wherein the window of time is a predetermined duration specified in at least one of minutes or hours. 
     
     
         38 . The method of  claim 33 , comprising:
 providing, to the user device, instructions for displaying information representing a remaining time in which the cash advance service is enabled, the remaining time being based on the window of time.   
     
     
         39 . The method of  claim 33 , comprising:
 disabling the cash advance service after the window of time expires.   
     
     
         40 . A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for managing a cash advance service associated with a payment account of a user, the operations comprising:
 setting a cash advance service to a default setting of disabled;   receiving, through the application interface of a user device, a request to enable the cash advance service;   in response to the request to enable the cash advance service, associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted,   receiving a cash advance transaction authorization request associated with the payment account from a computing device;   determining, responsive to the cash advance transaction authorization request, whether the transaction rule is satisfied;   approving the advance transaction authorization request when the transaction rule is satisfied;   declining the cash advance transaction authorization request when the transaction rule is not satisfied;   transmitting the determination to the computing device.