goods or services to a merchant who then summits a charge request by means of a point of sale pos terminal to the credit host this request is passed throughout to the credit card provide mastercard visa american express vovus for authorization the present invention provides a small time delay window for immediate response and or a longer window for example four hours for delayed response if the credit host does not receive a response from the cardholder within the immediate window timeframe the system of the present invention defaults the response to the authority given by the provider so as to complete the transaction john and his wife mary have a joint visa credit card wherein john is the main cardholder john and mary have enrolled in the credit card transaction clearing house system of the present invention mary makes a purchase at a department store utilizing the joint visa credit card when the authorization request reaches the provider a simultaneous proxy call is made to john 39 s cell phone when john answered a short beep alerted him that this was a digital communication so john was able to view the incoming message on the screen of his hand held mobile telephone the message read that a charge of 129 00 was attempting to be posted to his account from a particular department store knowing that.