Patent ID: 7979349

Claim:
A method comprising: receiving, at a financial account issuer server configured to facilitate a transaction using financial accounts, a request to debit a first amount from a first financial account having a first identifier associated with the first financial account, wherein the financial account issuer server issued the first financial account; receiving, at the financial account issuer server, a request to credit at least a portion of the first amount to a second financial account having a second identifier associated with the second financial account; determining, by the financial account issuer server, if at least one of the request to debit the first financial account or the request to credit the second financial account is fraudulent based upon a fraud analysis routine, wherein the fraud analysis routine analyzes pre-determined criteria associated with the request to debit, the request to credit, the first financial account and the second financial account; identifying, by the financial account issuer server, a first credit limit of the first financial account; verifying, by the financial account issuer server, that the first credit limit of the first financial account is able to be decreased; decreasing, by the financial account issuer server, the first credit limit of the first financial account, if the request to debit is not fraudulent; identifying, by the financial account issuer server, a second credit limit of the first financial account; verifying, by the financial account issuer server, that the second credit limit of the second financial account is able to be increased; and increasing, by the financial account issuer server, the second credit limit of the second financial account, if the request to credit is not fraudulent.