Abstract: An apparatus that automatically adjusts authorized bandwidth allocated to a user communicating through an Ethernet network. The apparatus includes a usage monitor in communication with a network gateway or network management system to monitor bandwidth consumed by the user, an evaluator responsive to bandwidth usage that automatically determines bandwidth needs based on historical usage or a demand threshold, and a controller responsive to the evaluator to initiate an examination of surplus bandwidth available at various junctions between the user and a destination. The controller may optionally obtain user verification prior to effecting an automatic increase or decrease in allocated or authorized bandwidth. Allocated bandwidth authorization may also be decreased according to network loading and/or a class of service assignment. A corresponding method is also disclosed.

Abstract: A system and method for allowing a parent to control the use of an ancillary credit or debit transaction card which is issued to a child. A central computer communicates with an issuer computer having a data base containing account information and spending limits for the transaction card and the parent can set a spending limit for the ancillary card given to the child. When the child presents the ancillary transaction card to a merchant in payment of merchandise, the merchant swipes the card and contacts a central computer for card authorization. If the credit limit of the ancillary card holder has been exceeded according to the data base, a method of contacting the parent is transmitted to the central computer.