Patent ID: 8301557

Claim:
A computer to allow a plurality of customers to access a plurality of line of credits associated with a plurality of customer accounts, the computer comprising: one or more processors to allow a plurality of customers to access a plurality of line of credits accounts associated with a financial institution; one or more input/output unit adapted to communicate with an electronic communications network; and non-transitory computer-readable medium encoded with computer program that when executed by the one or more processors, perform the operations of: establishing, responsive to customer underwriting data and predetermined qualification parameters, the plurality of line of credit accounts associated with a plurality of customer accounts for a plurality of customers, the plurality of line of credit accounts having a plurality of total credit limits having a first portion and a second portion, the first portion of the plurality of total credit limits being reserved for use with one or more transactions with a predetermined retailer, each of the plurality of line of credit accounts further being adapted to be drawn in at least one of a plurality of separate predetermined loan increments each being equal in value; determining a number of separate predetermined loan increments to be added to the one or more of the plurality of customer accounts responsive to a determination to advance funds from the one or more of the plurality of line of credit accounts for one or more customer transactions; loading the one or more of the plurality of customer accounts with at least one of the plurality of separate predetermined loan increments that corresponds with the determined number of separate predetermined loan increments to thereby define loaded predetermined increments, the loaded predetermined increments not exceeding a line of credit balance available for the one or more of the plurality of line of credit accounts; and determining a loan advance fee for the loaded predetermined increments, the loan advance fee being equal to a predetermined financial institution fee plus a predetermined retailer fee multiplied by the number of separate predetermined loan increments.