Patent ID: 7890421

Claim:
For a consumer financial account associated with a credit card having an overall credit line and a plurality of specialized credit lines, each of the credit lines comprising a limit, where a sum of the limits corresponding to each of the plurality of specialized credit lines exceeds the limit of the overall credit line, a method of encouraging particular behavior by the consumer, the method comprising: receiving, via an electronic payment network, financial information associated with the consumer in an electronic credit transaction request comprising one of a balance transfer request and a purchase transaction request; storing the electronic credit transaction request including the financial information in a computer readable memory of a consumer database server; in response to receiving the electronic transaction request, causing a payment processing server to: (a) process the financial information in the electronic transaction request to determine a suitable adjustment to the financial account for the consumer; and (b) automatically implementing a dynamic adjustment of the limit for at least one specialized credit line associated with the financial account from a first limit to a second limit in accordance with the determined suitable adjustment, wherein the payment processing server adjusts the limit for the at least one specialized credit line independent from the limit of the overall credit line.