American Express Travel Related Services Company, Inc.

William Gaines Coomer

Aniruddha V Khandekar

Michael David James

Gordon Emory Anderson

Sangarsh Nigam

James R Anderson

Catherine J Campanaro

Lori Jean Cales

Orville Anthony Williams

Gopakumar K Raveendrakumar

Gary West

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.

System and method for calculating recommended charge limits

A system for converting first code information to second code information including memory means for storing a first conversion table and a second conversion table, means for receiving SIC, MCC and NAICS cod information about a merchant, means for using the first conversion table to convert the SIC, MCC or NAICS code information into a an intermediate code and means for using the second conversion table to convert the intermediate code into SIC, MCC or NAICS code information. The system may also include means for combining the SIC, MCC or NAICS code information with other information and providing a report based on the other information, means for linking incoming transaction data to a customer account and means for generating a report including the SIC, MCC or NAICS code information.

Method and system for universal conversion of MCC, SIC or other codes

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Phoenix, AZ, United States of America

William Gaines Coomer