Method and system for handling method level processing in connection with cardholder account processing

A system for adjusting a processing parameter of a financial account, comprising:

• a first data store for storing financial account data for the financial account, the financial account data including an account processing method assigned to the financial account and an associated method override, wherein the account processing method sets one or more parameter values of the financial account, wherein the method override modifies at least one of the one or more parameter values set by the account processing method, and wherein the financial account data further includes account history information;
• a second data store for storing decision criteria defined by an issuer of the financial account for determining whether to apply a method override to the financial account based on the account history information, the decision criteria comprising a set of decision elements each having one or more threshold values associated therewith, the set of decision elements corresponding to account attributes of the financial account, wherein at least one of the account attributes relates to historical usage of the account;
• and
• a computerized decision engine configured to communicate with the first data store and the second data store, the decision engine configured to retrieve the decision criteria from the second data store to retrieve the account history information and the account attributes of the financial account from the first data store, and to generate a result based on the decision rules and the account history information, the result indicating whether a method override should be applied to the financial account;
• wherein the system is configured to apply the method override to the financial account, wherein applying the method override to the financial account changes at least one parameter value of the financial account.