Patent ID: 8224746

Claim:
A computer-implemented method for processing payment for a purchase transaction, said method comprising: enabling the provision of an account to an accountholder, wherein said account is a first payments account; enabling a second account of the accountholder to be associated with the first payments account, wherein said second account is a second payments account of the accountholder; establishing a limit on the number of times said first payment account can be used by the accountholder for making purchase transactions within a determined time period; receiving information indicative of said first account and a purchase transaction being made by said accountholder, wherein said receiving information indicative of said first account is performed by at least one electronic processor; determining, with at least one electronic processor, whether the number of times said first account has been used for making purchase transactions by the accountholder within said determined time period has reached said established limit on the number of times said first payment account can be used by the accountholder within the determined time period; and when said limit on the number of times said first payment account can be used by the accountholder for making purchase transactions within a determined time period has been reached within said time period, causing, with at least one electronic processor, said second account of the accountholder to be used for said purchase transaction for which said information is received.