Abstract: A method is provided. The method includes one or more of establishing a card account for a consumer, determining, by a banking server, wage earnings for the consumer, determining an available spending limit equal to a spending limit minus a sum of a purchase balance and a transfer balance, approving one or more purchase transactions for the card account not greater than the available spending limit, selecting, by a-user interface control, the transfer balance including a portion of the available spending limit to transfer to a designated account, transferring the transfer balance to the designated account, crediting, by an employer server, a primary account with the wage earnings on a payday, and in response transferring an amount equal to a portion of the sum of the transfer balance and the purchase balance from the primary account to a secondary account on or after the payday and adjusting the available spending limit.

Abstract: A method is provided. The method includes one or more of establishing a card account for a consumer, determining, by a banking server, wage earnings for the consumer, determining, by the banking server, an available pool spending limit for a pool equal to a pool spending limit minus a sum of a purchase balance and a transfer balance between the pool and a designated account, selecting, by a first user interface control, a portion of the pool to allocate to the card account, allocating the portion of the pool to the card account, approving one or more purchase transactions for the card account not greater than a card account spending limit, and crediting, by an employer server, the primary account with the wage earnings on a payday, and in response transferring an amount equal to a portion of the sum of the transfer balance and the purchase balance from the primary account to a secondary account on or after the payday.

Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.

Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.

Abstract: A method is provided. The method includes one or more of receiving, from a merchant device, information about a purchase transaction by a consumer, calculating, by a credit server, a plurality of payment times comprising an immediate payment time and a later payment time, transmitting, to a client device, the plurality of payment times, selecting a payment time of the plurality of payment times, receiving, by the credit server, the selected payment time, scheduling, by the credit server, processing of the purchase transaction at the selected payment time, and processing the purchase transaction at the selected payment time.