Patent ID: 8606709

Claim:
A method comprising: determining, by a computer based system for facilitating use of a transaction account and based on selection criteria associated with a common transaction account, at least one of a first transaction account and a second transaction account to access for processing a transaction in response to receiving a common transaction account identifier, resulting in a selected transaction account, wherein said first transaction account and said second transaction account are associated with said common transaction account, wherein said selection criteria is defined by an owner of said common transaction account prior to a transaction being initiated, 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 selecting in response to a 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; communicating, by said computer based system and in response to said determining, an authorization request to a selected authorizer associated with said selected transaction account; 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; and processing, by said computer based system, said transaction via said selected transaction account.