Patent ID: 8768829

Claim:
A method of providing a transactional credit to complete a financial transaction, the method comprising: determining, by a transactional credit system, whether a credit card of a first credit card issuer of a customer is in good standing, when a merchant does not accept the credit card of the first issuer; requesting the transactional credit, via the transactional credit system, from a second credit card issuer to complete a proposed financial transaction of the customer, wherein the transactional credit includes an amount of credit sufficient to complete the proposed financial transaction, and wherein requesting the transaction credit is in response to determining that the credit card of the first credit card issuer of the customer is in good standing and when the first credit card issuer's credit card is not accepted; and authorizing the transactional credit, via the transactional credit system, from the second credit card issuer to complete the proposed financial transaction.