Patent ID: 8700531

Claim:
A method comprising: determining, by a computer based system for facilitating use of a transaction account and based on selection criteria, at least one of a first transaction account and a second transaction account to access for processing a transaction in response to receiving a transaction account identifier, resulting in a selected transaction account, wherein said selection criteria comprises said first transaction account being selected in response to said transaction being initiated with at least one of a first group of merchants and a first type of products, and said second transaction account being selected in response to said transaction being initiated with at least one of a second group of merchants and a second type of products, and wherein said selection criteria further comprises, said first transaction account being selected in response to a transaction amount being within a first range of amounts, and said second transaction account being selected in response to said transaction amount being within a second range of amounts, and wherein said first range of amounts and said second range of amounts are non-overlapping; receiving, by said computer based system and in response to said communicating, at least one of a first biometric indicator and a second biometric indicator, wherein said first biometric indicator is associated with said first transaction account and said second biometric indicator is associated with said second transaction account; accessing, by said computer based system, said selected transaction account based on said selection criteria and at least one of said first biometric indicator and said second biometric indicator; initiating, by said computer based system, a transaction in response to the accessing; receiving, by said computer based system, an authorization from at least one of a first authorizer and a second authorizer, wherein said first authorizer is associated with said first transaction account and said second authorizer is associated with said second transaction account; and authorizing, by said computer based system, said transaction amount to said account identifier; and processing, by said computer based system, said transaction via said selected transaction account.