Patent ID: 8862513

Claim:
A system comprising: a memory storing account information for a plurality of users, wherein the account information comprises a user identifier, user funding sources, and barcode information for a barcode for use in a transaction, wherein the user funding sources are selected from a group comprising credit cards, debit cards, gift cards, and store credit accounts; and a payment service provider comprising a computer processor communicatively coupled to the memory and configured to: receive information about a user account and information about a merchant or location from a user device; automatically determine a first plurality of funding sources available for use by the user based on the information received about the user account and the information received about the merchant or location; communicate a second plurality of funding sources from the first plurality of funding sources to the user device; receive a selection from the user of at least two funding sources from the second plurality of funding sources for completing funding of the transaction with the merchant; generate a barcode containing the at least two funding sources of the second plurality of funding sources for display on the user device; receive information contained in the barcode from the barcode being scanned on the user device by a merchant point of sale device; and process the payment based, at least in part, on the received information contained in the barcode, wherein the processing of the payment includes at least a debit from each of the at least two funding sources of the plurality of funding sources.