Patent ID: 8190480

Claim:
A financial institution computer to allow one or more draws to a line of credit coupled to one or more of a plurality of prepaid card accounts, the financial institution computer comprising: one or more processors; one or more input/output units; non-transitory memory encoded with computer program operable by the one or more processors so that during operations thereof, a financial institution computer operates to perform the following steps: establishing a line of credit coupled to one or more of a plurality of prepaid card accounts in a first process, the line of credit having a total credit limit and to be drawn in one or more of a plurality of separate predetermined loan increments each being equal in value and less than the total credit limit; determining a number of separate predetermined loan increments to be drawn from the line of credit in a second process so that the number of separate predetermined loan increments multiplied by the value of one of the plurality of separate predetermined loan increments plus a value associated with the one or more of the plurality of prepaid card accounts exceeds a value of a proposed purchase by less than the value of one of the plurality of separate predetermined loan increments; and releasing draws from the line of credit in the determined number of separate predetermined loan increments in a third process to thereby define drawn predetermined increments when the drawn predetermined increments and a total value of a predetermined loan advance fee corresponding thereto collectively do not exceed a line of credit balance available, the total value of the predetermined loan advance fee being equal to a predetermined loan advance fee multiplied by the number of separate predetermined loan increments.