Patent ID: 8301558

Claim:
A computer-implemented method comprising: storing information relating to a loan account associated with a borrower in a storage device; segmenting, performed by a processor of a computing device, the loan account into two or more spend categories, wherein the loan account has one interest rate and the two or more spend categories have at least one interest rate that is different than the one interest rate of the loan account; allocating, performed by the processor of the computing device, purchases made by the borrower to at least one of the two or more spend categories; receiving a first payment for the purchases associated with a first spend category of the two or more spend categories; applying, performed by the processor of the computing device, the first payment to the first spend category such that the first spend category is paid in full; calculating, performed by the processor of the computing device, the value of collateral associated with the loan account; and determining, performed by processor of a computing device, that additional credit is available for the loan account based on the calculated value of the collateral.