Patent ID: 7904385

Claim:
A method for a financial account issuer server to facilitate a transaction for at least one of budgeting or spend compartmentalization, the method comprising: receiving, by the financial account issuer server, a request to debit a first amount from a first financial category sub-account associated with a first financial account having a first identifier, wherein the financial account issuer server issued the first financial account, and wherein the request to debit relates to the at least one of budgeting or spend compartmentalization; verifying, by the financial account issuer server, availability of the first amount in the first financial category sub-account for completing the transaction; receiving, by the financial account issuer server, a request to credit at least a portion of the first amount to a second financial category sub-account associated with a second financial account having a second identifier, wherein the first financial account and second financial account are owned by the same customer, and wherein the request to credit relates to the at least one of budgeting or spend compartmentalization; determining, by the financial account issuer server, if the request to debit the first financial account and the request to credit the second financial account are fraudulent based upon a fraud analysis routine, wherein the fraud analysis routine analyzes predetermined criteria associated with the request to debit, the request to credit, the first financial account and the second financial account; debiting, by the financial account issuer server, the first amount from the first financial category sub-account associated with the first financial account, if the request to debit the first financial account is not fraudulent; and crediting, by the financial account issuer server, at least the portion of the first amount to the second financial category sub-account associated with the second financial account, if the request to credit the second financial account is not fraudulent.