System and method for satisfying a transaction amount from an alternative funding source

1. A method comprising:

monitoring, by a computer system for paying a transaction amount, transaction information at a point of sale device, the transaction information comprises a transaction account used to pay for a completed payment transaction and the transaction amount, wherein the computer system comprises a memory, a processor and a network interface;

displaying, by the computer system and through a module, an indicator of an alternative funding source, in response to the transaction information conforming with a set of predetermined rules, the module installed in a web browser as at least one of an add-on and an extension, and wherein the module is configured to overlay the web browser in response to detecting the point of sale device;

receiving, by the computer system and through the module, a selection of the alternative funding source; and

applying, by the computer system, a credit to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source, in response to the completed payment transaction at the point of sale device.

2. The method of claim 1 , further comprising detecting, by the computer system, an initiation of the transaction at the point of sale device.

3. The method of claim 1 , wherein an alternative funding source is a rewards account.

4. The method of claim 1 , wherein an alternative funding source is a checking account.

5. The method of claim 1 , wherein the point of sale device is a virtual point of sale.

6. The method of claim 1 , further comprising comparing, by the computer system, the transaction account to a list of eligible transaction accounts.

7. The method of claim 1 , further comprising receiving, by the computer system, identification information, wherein the identification information is used to authorize the alternative funding source.

8. The method of claim 1 , further comprising, displaying a balance of the alternative funding source at the point of sale device.

9. The method of claim 1 , wherein the point of sale device is a web based point of sale, and wherein the alternative funding source is presented within the web based point of sale.

10. The method of claim 1 , wherein a user applies at least a portion of the alternative funding source to the transaction account, regardless of accessing a web page associated with the alternative funding source.

11. The method of claim 1 , determining, by the computer system, a second amount associated with the transaction amount, in response to the selection of the alternative funding source, wherein the second amount is determined based on a set of rules.

12. The method of claim 1 , wherein the module is configured to actively detect the presence of a virtual point of sale.

13. The method of claim 1 , wherein the module is configured to passively detect the presence of a point of sale device, and wherein the module is activated in response to receiving a signal from the point of sale device.

14. The method of claim 1 , wherein the alternative funding source is selected without notifying the point of sale device.

15. The method of claim 1 , wherein a merchant providing the point of sale device processes the payment through the transaction account.

16. A computer based system comprising:

a network interface communicating with a non-transitory memory;

the memory communicating with a processor for paying a transaction amount; and

the processor, when executing a computer program, is configured to:

monitoring, by the processor, transaction information at a point of sale device, wherein the transaction information comprises a transaction account used to pay for a completed payment transaction and the transaction amount;

displaying, by the processor and through a module, an indicator of an alternative funding source, in response to the transaction information conforming with a set of predetermined rules, wherein the module is installed in a web browser as at least one of an add-on and an extension, and wherein the module is configured to overlay the web browser in response to detecting the point of sale device;

receiving, by the processor, and through the module, a selection of the alternative funding source; and

applying, by the processor, a credit to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source, in response to the completed payment transaction at the point of sale device.

17. A method comprising:

monitoring, by a computer system for paying a transaction amount, transaction information at a point of sale device, wherein the transaction information comprises a transaction account used to pay for a completed payment transaction and the transaction amount, wherein the computer system comprises a processor, a memory, and a network interface;

displaying, by the computer system and through a module, an indicator of an alternative funding source, in response to the transaction information conforming with a set of predetermined rules, the module is installed on a smartphone and is activated in response to detecting a point of sale device;

receiving, by the computer system and through the module, a selection of the alternative funding source; and

applying, by the computer system, a credit to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source, in response to the completed payment transaction at the point of sale device.