US Patent 10572862 Credit management method and system

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.