Prepaid card loan mechanism and methods of completing transactions and transforming goods

A method, tied to a prepaid card authorization machine, of completing transactions for an amount that exceeds an available balance on a prepaid card, the method comprising in any order at least the acts of:

• using at least one specially-programmed computer, collecting information concerning multiple prepaid card holders, the information comprising:
• credit worthiness information;
• consent from the prepaid card holders to borrow money if the available balance on a prepaid card is exceeded;
• and
• consent from the prepaid card holders to be charged compensation for the borrowing of the money;
• receiving from the prepaid card authorization machine, an indication when a prepaid card holder has attempted to initiate a transaction using a prepaid card for an amount that exceeds an available balance on the prepaid card;
• using at least one specially-programmed computer, evaluating whether the prepaid card holder has provided the consent to borrow money and the consent to be charged compensation for the borrowing of the money;
• using at least one specially-programmed computer, evaluating whether the prepaid card holder is a good credit risk for lending a difference between the amount of the transaction and the available balance;
• if the prepaid card holder is a good credit risk for lending the difference between the amount of the transaction and the available balance, using at least one specially-programmed computer, loaning the prepaid card holder at least the difference between the amount of the transaction and the available balance in real time such that the prepaid card authorization machine completes the transaction without interruption;
• and
• using at least one specially-programmed computer, later collecting from the prepaid card holder the difference between the amount of the transaction and the available balance plus the compensation.

A method of transforming goods from a state of being retail inventory to a state of being owned by and in the possession of an end user, the method comprising in the following order at least the acts of:

• when a prepaid card holder has attempted to pay for a transaction using a prepaid card, and the transaction is for an amount of money that exceeds an available balance on the prepaid card, evaluating whether the prepaid card holder has provided consent to borrow money and to be charged compensation for the borrowing of the money;
• if the prepaid card holder has provided the consent, using a computer to loan the prepaid card holder at least a difference between the amount of the transaction and the available balance in real time such that the transaction is completed without interruption;
• and
• later collecting from the prepaid card holder the difference between the amount of the transaction and the available balance, plus the compensation.