Patent ID: 8145565
Filing Date: 2012-03-27
Classification: G06Q

Abstract:
1. A credit card account shadowing method, comprising: selecting a predetermined type of transaction data to allow a charge associated with the predetermined type to be paid by a transfer of a balance; determining the charge on a first credit card of a user is associated with a predetermined type of transaction data, by an aggregator of a credit card engine; determining a balance on the first credit card of the user for the predetermined type of transaction data, by an aggregator of a credit card engine; determining an amount of available credit on a second credit card of the user, by the aggregator of the credit card engine; determining if the amount of available credit on the second credit card is sufficient for a transfer of the balance on the first credit card to the second credit card, by a balance transfer processor of the credit card engine; transferring the balance from the first credit card to the second credit card if the amount of available credit is sufficient, by the balance transfer processor; and if the amount of available credit on the second credit card is insufficient to pay the balance, then: