Patent ID: 8805740

Claim:
A method for synchronizing a mobile communication device (MCD) with a credit account, comprising: associating a unique ID of a MCD with a credit account, the unique ID corresponding to a user of the MCD, the credit account sponsored by a financial entity; dividing the credit account into one or more sub-credit accounts; apportioning credit from a credit line of the credit account to at least some of the one or more sub-credit accounts; initiating a transaction on behalf of the MCD; obtaining transaction approval for the transaction based on one or more predetermined transaction rules and no link between the credit account sponsored by the financial entity and the MCD at the time of the transaction; and synchronizing a server of the financial entity with the MCD based on the transaction initiated by the MCD, wherein the synchronizing occurs when a link between the server of the financial entity and the MCD is available, and wherein at least some of at least one of the associating, initiating, obtaining, or synchronizing are implemented at least in part via a processing unit.