Patent ID: 7406442

Claim:
A method for managing a credit card, the method comprising: analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a first credit line associated with the credit card based on the determined level of risk associated with the cardholder, the first credit line being set as a first revolving credit line and for purchase transactions made only with a particular merchant; establishing a second credit line associated with the credit card based on the determined level of risk associated with the cardholder, the second credit line being set as a second revolving credit line and for purchase transactions made with any merchant other than the particular merchant, wherein the first credit line is associated with a first available credit and the second credit line is associated with a second available credit, the second available credit distinct from the first available credit; issuing the credit card to the cardholder with the established first credit line as a main credit line and the established second credit line as an embedded credit line, wherein the first credit line is associated with a first credit limit and the second credit line is associated with a second credit limit, and the first credit limit includes the second credit limit, and the second credit limit is less than the first credit limit and wherein the sum of the first available credit and the second available credit does not exceed the first credit limit; adjusting the first available credit and the second available credit when a purchase is made against the second credit line; and adjusting only the first available credit when the purchase is made against the first credit line.