Modification of transaction fees

Abstract

A method implemented on an electronic computing device includes receiving a request for an automated teller machine (ATM) transaction from an ATM. Authentication credentials are received of a customer of the ATM. The authentication credentials are associated with the request for the ATM transaction. A notification is received of a failure to execute the ATM transaction at the ATM. In response to the receiving a notification of the failure, a fee modification is issued to the customer of the ATM. The fee modification permits modification of a transaction fee associated with a subsequent ATM transaction at an alternative ATM.

What is claimed is: 
     
         1 . An electronic computing device, comprising:
 a processor; and   system memory, the system memory including instructions which, when executed by the processor, cause the method to:
 detect, by the method, a failure to execute a first automated teller machine transaction at an in-network automated teller machine, wherein the first automated teller machine transaction is associated with a financial account of a customer; 
 in response to detection of the failure, flag, by the method, the financial account of the customer, wherein the flag indicates that the customer experienced the failure to execute the first automated teller machine transaction;
 determine, by the method, a location of the in-network automated teller machine; 
 provide a plurality of locations at which the customer can complete financial transactions; 
 receive, by the method, a second automated teller machine transaction from an out-of-network automated teller machine, with the second automated teller machine transaction being associated with the financial account of the customer; and 
 when the financial account of the customer has been flagged for the failure to complete the first automated teller machine transaction, modify, by the method, a fee assessed to the customer for completing the second automated teller machine transaction at the out-of-network automated teller machine. 
 
   
     
     
         2 . The electronic computing device of  claim 1 , wherein the plurality of locations is displayed on a map within a pre-determined distance of the in-network automated teller machine. 
     
     
         3 . The electronic computing device of  claim 1 , wherein the out-of-network automated teller machine is a point of sale device. 
     
     
         4 . The electronic computing device of  claim 3 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 if a determination is made that a financial organization has an agreement with a business organization associated with the point of sale device, instruct the point of sale device to modify the fee for the second automated teller machine transaction at the out-of-network automated teller machine.   
     
     
         5 . The electronic computing device of  claim 3 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 debit the financial account of the customer for an amount of the second automated teller machine transaction for cash at the point of sale device; and   reimburse a business organization associated with the point of sale device for the second automated teller machine transaction for cash at the point of sale device.   
     
     
         6 . The electronic computing device of  claim 1 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 issue a credit for the fee to the financial account of the customer.   
     
     
         7 . The electronic computing device of  claim 6 , wherein the credit comprises a reduction of the fee. 
     
     
         8 . The electronic computing device of  claim 1 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 provide a voucher to the customer.   
     
     
         9 . The electronic computing device of  claim 1 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 send a request to a financial organization associated with the out-of-network automated teller machine to modify the fee associated with the second automated teller machine transaction at the out-of-network automated teller machine.   
     
     
         10 . The electronic computing device of  claim 9 , wherein the system memory further includes instructions which, when executed by the processor, cause the method to:
 prior to sending the request to the financial organization, determine that the financial organization of the customer has an agreement with the financial organization associated with the out-of-network automated teller machine to forgive the fee.   
     
     
         11 . A method implemented on an electronic computing device, the method comprising:
 detecting, by the electronic computing device, a failure to execute a first automated teller machine transaction at an in-network automated teller machine, wherein the first automated teller machine transaction is associated with a financial account of a customer;   in response to detection of the failure, flagging, by the electronic computing device, the financial account of the customer, wherein the flagging indicates that the customer experienced the failure to execute the first automated teller machine transaction;   determining, by the electronic computing device, a location of the in-network automated teller machine;   providing a plurality of locations at which the customer can complete financial transactions;   receiving, by the electronic computing device, a second automated teller machine transaction from an out-of-network automated teller machine, with the second automated teller machine transaction being associated with the financial account of the customer; and   when the financial account of the customer has been flagged for the failure to complete the first automated teller machine transaction, modifying, by the electronic computing device, a fee assessed to the customer for completing the second automated teller machine transaction at the out-of-network automated teller machine.   
     
     
         12 . The method of  claim 11 , wherein the plurality of locations is displayed on a map within a pre-determined distance of the in-network automated teller machine. 
     
     
         13 . The method of  claim 11 , wherein the out-of-network automated teller machine is a point of sale device. 
     
     
         14 . The method of  claim 13 , further comprising, if a determination is made that a financial organization has an agreement with a business organization associated with the point of sale device, instructing the point of sale device to modify the fee for the second automated teller machine transaction at the out-of-network automated teller machine. 
     
     
         15 . The method of  claim 13 , further comprising:
 debiting the financial account of the customer for an amount of the second automated teller machine transaction for cash at the point of sale device; and   reimbursing a business organization associated with the point of sale device for the second automated teller machine transaction for cash at the point of sale device.   
     
     
         16 . The method of  claim 11 , further comprising issuing a credit for the fee to the financial account of the customer. 
     
     
         17 . The method of  claim 16 , wherein the credit comprises a reduction of the fee. 
     
     
         18 . The method of  claim 11 , further comprising providing a voucher to the customer. 
     
     
         19 . The method of  claim 11 , further comprising sending a request to a financial organization associated with the out-of-network automated teller machine to modify the fee associated with the second automated teller machine transaction at the out-of-network automated teller machine. 
     
     
         20 . The method of  claim 19 , further comprising, prior to sending the request to the financial organization, determining that the financial organization of the customer has an agreement with the financial organization associated with the out-of-network automated teller machine to forgive the fee.