Patent ID: 7930229

Claim:
A computer-based system for managing transaction cards issued to respective users for their respective consideration-bearing financial accounts held at a financial institution, the system comprising a computer arrangement configured and programmed to: store data representing an amount of funds including funds in a consideration-bearing financial account held by a user at the financial institution; set a deferred-debit spending limit that is used to limit an available amount for transaction card deferred-debit purchases by the user; track transaction card deferred-debit purchases against the consideration-bearing financial account while deferring payment therefor from the consideration-bearing financial account; without directly comparing to an available amount of funds in the consideration-bearing financial account, verify that the deferred-debit spending limit has not been exceeded; provide for the user a consideration amount based at least in part upon usage of the transaction card; and for the billing cycle, issue a set of user-reviewable data that indicates an extent of exhaustion of the billing-cycle deferred-debit spending limit, and including data that represents the deferred-debit purchases, and provide a limited time period, relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases; responsive to the limited time period lapsing, automatically debit funds as consideration for payment against at least some of the deferred-debit purchases; and before the limited time period lapsing, increase the available amount and therein allow for additional deferred-debit purchases.