Patent ID: 7912774

Claim:
A computer system comprising: at least one processing circuit configured to, during a current billing cycle, receive debit transaction requests from a cardholder using a debit card linked to an interest-bearing account, maintain a balance of accrued debit transactions for the billing cycle, impose a purchase limit, different from an amount of cardholder funds in the interest-bearing account, on the balance of accrued debit transactions; verify that the amount of cardholder funds, adjusted by the balance of accrued debit transaction, is of a sufficient amount for the transaction requests, and authorize the debit transaction requests in response to the verification of the amount of cardholder funds; and after the current billing cycle completes, communicate, to the cardholder, a statement that includes the balance of accrued debit transactions, receive a payment amount from the cardholder, reduce the balance of accrued debit transactions by the payment amount received from the cardholder, and in response to an expiration of a payment time window, debit the reduced balance of the accrued debit transactions from the account linked to the debit card.