Patent ID: 8554675

Claim:
A method performed by an electronic transaction processing system to execute a purchase transaction, the method comprising: recording a selection by a user of one or more items from an electronic catalog of items; providing a payment interface that enables the user to place an order for the one or more selected items via a user computing device, said payment interface providing an option for the user to select a pre-generated, re-usable payment plan to use to pay for the one or more items, said payment plan specifying at least (1) a plurality of payment instruments associated with the user, and (2) non-transaction-specific rules that specify how the plurality of payment instruments are to be used in combination to process payment transactions; accepting a selection made by the user via the payment interface of the payment plan in connection with said order; and determining, based on the non-transaction-specific rules of the payment plan, how to divide a payment amount of said order among the plurality of payment instruments; said method performed in its entirety by a computer system that comprises one or more physical servers.