Patent ID: 8768835

Claim:
A computer-implemented method for routing payment objects to a processor agent based on payment methods, the method comprising: receiving, by at least one processor, instructions to link two or more first financial transaction cards to a first collective account, which comprises a plurality of subaccounts; receiving, by at least one processor, instructions to link two or more second financial transaction cards to a second collective account, which comprises a plurality of subaccounts; monitoring, by at least one processor, the usage of the two or more first financial transaction cards and the two or more second financial transaction cards; creating, by at least one processor, a first set of payment objects linked to the two or more first financial transaction cards, each of the first payment objects indicating the two or more first financial transaction cards and a payment value calculated based on the aggregate usage of the two or more first financial transaction cards; creating, by at least one processor, a second set of payment objects linked to the two or more second financial transaction cards, each of the second payment objects indicating the two or more second financial transaction cards and a payment value calculated based on the aggregate usage of the two or more second financial transaction cards; receiving, by at least one processor, the plurality of payment objects comprising the first set and second set of payment objects; accessing, by at least one processor, each payment object to determine its associated financial transaction cards; routing, by at least one processor, the received plurality of payment objects to be processed against at least one of the plurality of subaccounts of the first collective account and at least one of the plurality of subaccounts of the second collective accounts based on their respective links to the two or more first financial transaction cards and the two or more second financial transaction cards.