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System and method for providing extra lines of credit

  • US 7,788,170 B2
  • Filed: 12/06/2006
  • Issued: 08/31/2010
  • Est. Priority Date: 02/12/2001
  • Status: Expired due to Fees
First Claim
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1. A method, implemented using a computer, for processing credit card transactions, comprising:

  • receiving transaction information associated with a customer attempting to perform a transaction at a vendor site using a credit card issued from a credit card issuer;

    determining, by the computer, whether the customer has an extra line of credit associated with the credit card based on the transaction information;

    determining, by the computer, whether the vendor is associated with the credit card issuer based on the transaction information;

    determining, by the computer, whether the vendor is associated with the customer'"'"'s extra line of credit based on the transaction information; and

    applying the transaction to the extra line of credit when it is determined that the customer does have an extra line of credit and the vendor is associated with the credit card issuer.

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