Abstract: The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for handling accounts held by a user at a financial institution and an educational institution. A first database stores account balance information associated with a first account held at one of the institutions. A second database stores account balance information associated with a second account held at the other institution. Logic, located at one institution, encrypts an identifier of the first account, associates a resulting encrypted identifier with the second account and decrypts the encrypted identifier. A database interface transmits the encrypted identifier to the second database for storage. A user interface provides the user with the account balance information associated with the accounts in response to the logic decrypting the encrypted identifier.

Abstract: A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. The card user can earn credit, or interest based on deferred debits. Also, in certain instances, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases.

Abstract: In an example application, a banking institution implements a computer-automated arrangement with another corporate entity that is independent of the banking institution. The arrangement permits the other corporate entity to render funds to corporate designees associated with the corporation's bank account via an account-management specification that defines and tracks funds under sub-accounts.

Abstract: Computer-based methods and arrangements are implemented using a variety of embodiments. According to one embodiment, a method is implemented for use with a financial institution's computer-managed marketing program. The method provides participation incentives to associations enrolled in the program based upon the program involvement of the enrolled associations. The financial institution enrolls associations in the program by assigning codes to the associations. The financial institution also enrolls a plurality of individuals having accounts with the financial institution in the program by associating each of the account numbers with one of the assigned codes. The assigned codes identify each of the plurality of individuals as a member of one of the enrolled associations.

Abstract: A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card, wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. In certain instances, this is not until after the activity for the billing cycle is reported to the holder of the account. Also, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases. Before the limited time period lapses, the available amount useful for additional purchases can be increased.

Abstract: A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.

Abstract: A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.

Abstract: A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.