Computerized Extension Of Credit To Existing Demand Deposit Accounts, Prepaid Cards And Lines Of Credit Based On Expected Tax Refund Proceeds, Associated Systems And Computer Program Products

A computer system for adjusting a credit facility available to a customer having an account or prepaid card, comprising:

• an input/output unit for transferring commands to the computer from an operator;
• a processor for responding to commands from the processor;
• a memory having stored therein a computer program product, stored on a tangible computer memory media, operable on the processor, the computer program product comprising a set of instructions that, when executed by the processor, cause the computer to adjust the credit facility to the customer having the account or prepaid card by performing the operations of:
• forming a computerized estimate of a tax refund available from a tax return of the customer;
• determining in the computer a portion of the computerized estimate of the tax refund available as borrowing capacity for customer account;
• and
• adjusting in the computer the credit facility based on the expected tax refund proceeds determined to be available.

A computer program product associated with a computer, stored on a tangible computer memory media, operable on the computer, the computer program product comprising a set of instructions that, when executed by the computer, cause the computer to adjust a credit facility available to customer having a demand deposit account or prepaid card by performing the operations of:

• forming a computerized estimate of a tax refund available from a tax return of the customer;
• determining in the computer a portion of the computerized estimate of the tax refund available as borrowing capacity for the customer account;
• and
• adjusting in the computer the credit facility based on the expected tax refund proceeds determined to be available.