Methods and Systems for Managing Cardholder Spending
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United States of America Patent
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Issued Date -
Feb 13, 2014
app pub date -
Aug 8, 2012
filing date -
Aug 8, 2012
priority date (Note) -
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Abstract
Methods and systems for managing cardholder spending on a transaction card account employ a processor coupled to memory and other computer hardware and software components to receive a monthly spending budget for a cardholder, track expenditures of the cardholder in a current month against the monthly spending budget, and adjust the monthly spending budget for a succeeding month when expenditures exceed a credit limit of the cardholder. The adjustment may be made according to an order of a predetermined prioritization of a plurality of budget categories or by a proportional amount in each of the plurality of budget categories in the absence of a predetermined prioritization.
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