Patent ID: 8799149

Claim:
A method, comprising: determining, from prior transactions conducted on a plurality of reward accounts of a payer with one or more merchants, each of a plurality of account payables that corresponds to the one or more merchants; deriving information for payment of each of the plurality of account payables from the prior transactions; finding, for an account payable of the plurality of account payables, a reward account of the plurality of reward accounts eligible to receive a largest deposit to a loyalty reward balance by a payment of the account payable; determining, via a computing apparatus, that a currency balance for the reward account is not sufficient for the payment of the account payable; ascertaining, via the computing apparatus, that a deposit to the reward account of one or more account receivables will increase the currency balance of the reward account sufficiently for the payment of the account payable; sending a request to initiate a deposit of the one or more account receivables to the reward account, and the payment of the account payable by a withdrawal from the currency balance of the reward account, wherein the request is to be rendered by a client device for display to the payer; and initiating the deposit of the one or more account receivables to the reward account, and the payment of the account payable by a withdrawal from the currency balance of the reward account.