System and Method for Providing Credit Card with Back-End Payment Filtering

Abstract

A credit card transaction processing system that, in various embodiments, is configured for: (1) receiving transaction data related to a reimbursable charge made on the credit card by a credit card holder; (2) analyzing the transaction data to determine whether the charge may be auto-substantiated; (3) in response to determining that the charge may be auto-substantiated, auto-substantiating the charge; and (4) in response to the charge being auto-substantiated, reimbursing the credit card holder for at least a portion of the charge at least substantially without human intervention.

1 - 37 . (canceled) 
   
   
       38 . A credit card transaction processing system comprising:
 a computer processor; and   a memory coupled to said computer processor, said credit card transaction processing system being configured for processing transactions made on a credit card that is issued to a cardholder and guaranteed by said cardholder's employer.   
   
   
       39 . The credit card transaction processing system of  claim 38 , wherein said credit card is a consumer credit card. 
   
   
       40 . The credit card transaction processing system of  claim 38 , wherein said credit card transaction processing system is configured for allowing both said cardholder and said employer to access account information associated with said credit card. 
   
   
       41 . The credit card transaction processing system of  claim 40 , wherein said account information comprises account balance information. 
   
   
       42 . The credit card transaction processing system of  claim 40 , wherein said credit card transaction processing system is configured for:
 (A) allowing said cardholder to access account information associated with said credit card via a cardholder interface; and   (B) allowing said employer to access account information associated with said credit card via an employer interface.   
   
   
       43 . The credit card transaction processing system of  claim 42 , wherein said credit card transaction processing system is further configured for allowing a plan service provider associated with said credit card. 
   
   
       44 . The credit card transaction processing system of  claim 43 , wherein said credit card transaction processing system is configured for allowing said plan service provider to access account information associated with said credit card via a plan service provider interface. 
   
   
       45 - 57 . (canceled)