Patent ID: 8799153

Claim:
A method for using supplemental payment data to indicate that a secondary account funds a credit card transaction conducted between a cardholder and a merchant, the method comprising: associating a secondary account with a credit card account, said credit card account maintained at a first financial institution; defining one or more payment rules associated with said secondary account; receiving, from a second financial institution, a transaction message associated with a credit card transaction using said credit card account, said transaction message comprising transaction data; determining whether said transaction data satisfies at least one of said one or more payment rules; appending, after said receiving, using a processor, supplemental payment data to said transaction message to form an appended transaction message when said transaction data satisfies at least one of said one or more payment rules, said supplemental payment data indicating that said credit card transaction is to be funded using said secondary account; and transmitting said appended transaction message to said first financial institution to be processed against the credit card account, wherein funds are transferred from the secondary payment account to the credit card account based on the supplemental payment data.