Patent ID: 8275704

Claim:
A method comprising: receiving, at a first financial account issuer server for allocating an amount associated with a transaction, a first authorization request to debit the amount from a first financial account having a first identifier, wherein an entity associated with the first financial account issuer server issued the first financial account, and wherein the first authorization request includes the amount and the first identifier; determining, by the first financial account issuer server, availability of the amount in the first financial account; acquiring, by the first financial account server, an allocation rule associated with the first identifier, wherein the allocation rule is stored in association with the first identifier, and wherein the allocation rule includes first information to determine a first portion of the amount to be debited from the first financial account, second information to determine a second portion of the amount to be debited from a second financial account, and a second identifier associated with the second financial account; allocating, by the first financial account server and based upon the allocation rule, the second portion of the amount to the second financial account, wherein an entity associated with a second financial account issuer server issued the second financial account, wherein the second financial account issuer server is different from the first financial account issuer server; sending, by the first financial account server and to the second financial account issuer server, a second authorization request associated with the second portion of the amount; receiving, by the first financial account server and from the second financial account issuer server, a second authorization approval associated with the second portion of the amount; issuing, by the first financial account server, a first authorization approval; and debiting, by the first financial account issuer server and based upon the allocation rule, the first portion of the amount from the first financial account, wherein the second authorization approval indicates that the second financial account issuer server debits the second portion of the amount from the second financial account.