Mobile device credit account

A system for synchronizing a mobile communication device (MCD) with a credit account, comprising:

• a mobile-credit interface component configured to associate a unique ID of a MCD with a credit account, the unique ID corresponding to a user of the MCD, the credit account sponsored by a financial entity;
• a sub-division component configured to divide the credit account into a plurality of subcredit accounts;
• a re-distribution component configured to apportion credit from a credit line of the credit account to at least some of the one or more sub-credit accounts;
• a credit execution component configured to initiate a transaction on behalf of the MCD and to approve or deny the transaction in the absence of a link to the financial entity;
• and
• a management component configured to synchronize a server of the financial entity with the MCD based on the transaction initiated by the MCD when a link between the server of the financial entity and the MCD is available,
• wherein at least some of at least one of the mobile credit interface component, the credit execution component, or the management component is implemented at least in part via a processing unit.

A non-transitory computer readable storage medium including executable instructions, which when executed on a processor perform a method comprising:

• associating a unique ID of a MCD with a credit account, the unique ID corresponding to a user of the MCD, the credit account sponsored by a financial entity;
• dividing the credit account into one or more sub-credit accounts;
• apportioning credit from a credit line of the credit account to at least some of the one or more sub-credit accounts;
• initiating a transaction on behalf of the MCD;
• obtaining transaction approval for the transaction based on one or more transaction rules and no link between the credit account sponsored by the financial entity and the MCD at the time of the transaction;
• and
• synchronizing a server of the financial entity with the MCD based on the transaction initiated by the MCD, wherein the synchronizing occurs when a link between the server of the financial entity and the MCD is available.