Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.

Abstract: The disclosed embodiments provide systems, methods, and articles of manufacture for managing workflow. Consistent with disclosed embodiments, a method may include receiving a communication from a customer, the communication being associated with a financial service account of the customer. The method may also include determining one or more document types associated with the communication, and comparing the one or more document types to at least one priority level hierarchy. Additionally, the method may include determining a document identification number for the communication based on the comparison, assigning the document identification number to at least one queue based on the document identification number, and providing access to a document associated with the communication to a first agent on a request for one or more document identification numbers from the queue. One or more second agents may additionally be denied access.

Abstract: A method and apparatus are provided for notifying a guarantor associated with a guaranteed loan of events likely to affect their interest in the guaranteed loan. The disclosed method and apparatus provides loan data with information on at least one guaranteed loan wherein the loan data includes information on the terms of the loan. The method and apparatus then monitors changes in the loan data and determines when changes in the loan data corresponding to the at least one guaranteed loan indicates a likelihood that the terms of the loan may not be met. Based on the determination the method and apparatus provides a notification to the guarantor based on the determination that the loan terms may not be met.

Abstract: A transaction card with a prepaid amount for spending is disclosed. The card may be funded through direct deposit, savings accounts, or any other source, for instance, specified by an individual setting up the transaction card. The card may be reloaded or reissued with more money on a periodic basis, for example, to control spending per period. Balances remaining on the card at the end of the period may be returned into a savings account or other accounts, as may be specified by the individual who set up the card or other authorized persons. The card may be set up to include a protection against overdraft, for instance, the card user may be allowed to spend ten percent more than the amount prepaid on the card.

Abstract: System and method for providing at least one predetermined automated message to an account holder via a voice response unit based on a likely reason for the call by the account holder to be because of a recent transaction decline.