Patent ID: 8429076

Claim:
A computer-implemented method of funding an account, the method comprising: providing, by at least one computer processor in connection with at least one storage medium, a plurality of accounts associated with a plurality of financial transaction cards, collective usage of the financial transaction cards generating reward credits not previously vested in any of the plurality of accounts, wherein the plurality of accounts are separate and independent from one another; creating or designating, by at least one computer processor, a collective account linkable to any of the plurality of accounts to receive contribution of credits therefrom, each account-holder of the plurality of accounts being able to configure allocation options of the reward credits of the corresponding account including dividing the reward credits among multiple collective accounts according to the allocation options; providing, by at least one computer processor, an indication to transfer credits to the collective account from the plurality of accounts; selecting a desired total amount of credits to be transferred from the plurality of accounts to the collective account; determining, by at least one computer processor, a first quantity of available credits in the plurality of accounts based on the desired total amount and the reward credits from the usage of the financial transaction cards; and transferring, by at least one computer processor, at least some of the credits to the collective account from the plurality of accounts based on the provided indication, wherein the transferred credits comprise at least part of the determined first quantity of available credits.