Patent ID: 8423453

Claim:
A system for processing a transaction, the system comprising: one or more computer processors that identify a credit account held by an account holder and a demand deposit account held by the account holder, the credit account having an available credit amount; one or more computer processors that receive transaction data associated with a transaction initiated by the account holder with a merchant using the credit account, the transaction having a transaction amount; one or more computer processors that determine whether the transaction amount exceeds a transaction threshold amount; one or more computer processors that request via a network a transfer of the transaction amount from the demand deposit account, wherein: the transfer is a first type of transfer and the network is a first network if the transaction amount does not exceed the transaction threshold amount, and the transfer is a second type of transfer and the network is a second network if the transaction amount exceeds the transaction threshold amount, the second type of transfer different from the first type of transfer, the second network different from the first network; and transfer at least a portion of the transaction amount to pay the merchant.