Personally customizable credit card accounts

A system for managing charging transactions, comprising:

• means for enabling, within a data processing system, a designation, by an owner of a chargeable account number and in association with the chargeable account number, of at least one specified allowed vendor within an allowed vendors listing and a corresponding amount limit chargeable by the specified allowed vendor;
• and
• means for determining whether the allowed vendors listing specifies that a charge authorization request from all vendors not identified within the allowed vendors listing are to be declined;
• means for determining whether a charging vendor for a current charging transaction is identified on the allowed vendors listing;
• means for if the charging vendor is not on the allowed vendors listing, declining the current charging transaction;
• means for if the charging vendor is on the allowed vendors listing, determining, by the data processing system, whether the current charging transaction for a specified amount by the charging vendor to the chargeable account number is within the designation.

A computer program product within a computer usable medium for managing charging transactions, comprising:

• instructions for enabling, within a data processing system, a designation, by an owner of a chargeable account number and in association with the chargeable account number, of at least one specified allowed vendor and a corresponding amount limit chargeable by the specified allowed vendor within an allowed vendors listing;
• and
• instructions for determining whether the allowed vendors listing specifies that a charge authorization request from all vendors not identified within the allowed vendors listing are to be declined;
• instructions for determining whether a charging vendor for a current charging transaction is identified on the allowed vendors listing;
• instructions for if the charging vendor is not on the allowed vendors listing, declining the current charging transaction;
• instructions for if the charging vendor is on the allowed vendors listing, determining, by the data processing system, whether the current charging transaction for a specified amount by the charging vendor to the chargeable account number is within the designation.