Patent ID: 8504474
Filing Date: 2013-08-06
Classification: G06Q

Abstract:
1. A method comprising: funding, by a computer-based system for providing a payment for a transaction, a consolidated account from a plurality of different funding sources, wherein an acquisition order is determined according to a defined funding profile and a proportion of the value from each of the plurality of different funding sources is determined according to the defined funding profile, and wherein the consolidated account stores a value funded from the plurality of different funding sources; dynamically altering, by the computer-based system, the acquisition order in response to a transaction initiation action including a selection of funding sources to pay a payee and based on a real-time current balance of each funding source of the plurality of different funding sources and based on a statement cutoff date of each funding source of the plurality of different funding sources; and paying, by the computer-based system, the payee with at least part of the funded value from the consolidated account to any network merchant.