Abstract: A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.

Abstract: Systems and methods for automatic price and/or reward adjustment by a branded card provider is disclosed. One method obtains purchase information for an item purchased by a cardholder. The purchase information for the item is monitored. When it is determined that a change in the purchase information for the item has occurred, a value of the change is determined. The value of the change is automatically credited to an account of the cardholder.

Abstract: A short-term certificate is disclosed. The method receives a request for a short-term certificate to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term certificate and an identifier for the second party. A part of the credit account is allocated to cover the value of the short-term certificate. The short-term certificate is generated and provided to the second party. However, no funds are taken from the credit account of the first party until the short-term certificate is redeemed.

Abstract: A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.