American Express Travel Related Services Company, Inc.

Gary West

Michael David James

Gordon Emory Anderson

Sangarsh Nigam

Catherine J Campanaro

William Gaines Coomer

Aniruddha V Khandekar

The invention facilitates the compilation of client-imposed charge or credit limit reports based on declined purchase and/or payment transactions. The invention provides a system and method by which an account manager for a financial institution and/or a client program administrator company may perform analysis of spending patterns for cardmembers in order to determine an optimal client-imposed credit limit in order to reduce the occurrences of declined charge or credit transactions. An account manager for a financial institution and/or a client program administrator may use the limits report to persuade a cardmember to increase the client-imposed credit limit to a recommended level, thereby reducing the cardmember's inconvenience cased by declined purchase transactions while recapturing lost revenues by the card issuer also resulting from declined purchase transactions.

Growing community of inventors

Greensboro, NC, United States of America

Gary West