Systems and Methods for Dynamic Account Routing

1 . A method for dynamic account routing, comprising:

obtaining requested transaction data using an account servicing server system, where:

the requested transaction data identifies a consumer account and comprises transaction amount data; and

the account servicing server system comprises a processor and a memory;

identifying a set of routing rules based on the identified consumer account using the account servicing server system;

requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data;

obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system;

generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system; and

providing the transaction authorization data using the account servicing server system.

2 . The method of claim 1 , wherein the routing rules comprise:

determining that the identified consumer account comprises a trusted consumer account using the account servicing server system; and

providing the transaction authorization data prior to obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system.

3 . The method of claim 1 , wherein:

the routing rules comprise determining that the requested transaction data identifies a health savings account transaction; and

the selected funding source system comprises a health savings account system.

4 . The method of claim 1 , wherein the routing rules comprise:

determining that a first funding source identified in the routing rule data is unavailable using the account servicing server system;

utilizing local balance data for the first funding source to determine the first funding source can provide the requested funds using the account servicing server system; and

providing the transaction authorization data prior to obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system.

5 . The method of claim 1 , wherein:

the requested transaction data comprises location data identifying the location where the transaction is occurring;

the routing rules further comprise identifying a local currency associated with the location where the transaction is occurring using the account servicing server system; and

the requested funds are requested in the local currency using the account servicing server system.

6 . The method of claim 1 , wherein:

the obtained authorization data for the requested funds from the at least one funding source system indicates that the authorized amount is less than the requested funds; and

the method further comprises:

determining that the consumer account is eligible for a loan using the account servicing server system;

calculating the loan amount using the account servicing server system;

requesting the loan in the loan amount using the account servicing server system; and

utilizing the requested loan and the obtained authorization data to provide authorization for the requested transaction data using the account servicing server system.

7 . The method of claim 1 , wherein the routing rules comprise:

identifying rewards data for each of the at least one funding source systems using the account servicing server system, where the rewards data comprises rewards amount data and category data for each funding source system;

determining transaction category data for the requested transaction data using the account servicing server system;

identifying a piece of rewards data based on the transaction category data and the category data using the account servicing server system; and

requesting funds from the funding source system associated with the identified piece of rewards data using the account servicing server system.

8 . The method of claim 1 , wherein:

the requested transaction data is obtained from a payment processor system; and

the transaction authorization data is provided to the payment processor system.

9 . The method of claim 1 , wherein requesting funds from at least one funding source system further comprises:

identifying balance data for each of the at least one funding source system using the account servicing server system;

requesting a first portion of the requested funds from a first funding source system in the at least one funding source system based on the balance data for the first funding source system using the account servicing server system; and

requesting a second portion of the request funds from a second funding source system in the at least one funding source system based on the balance data for the second funding source system and the first portion of the requested funds using the account servicing server system.

10 . The method of claim 1 , wherein requesting funds from at least one funding source system further comprises:

requesting funds identified in the transaction data from a first funding source in the at least one funding source using the account servicing server system;

requesting funds identified in the transaction data from a second funding source in the at least one funding source using the account servicing server system;

obtaining a first authorization data from the first funding source for a second portion of the requested funds using the account servicing server system;

obtaining a second authorization data from the second funding source for a second portion of the requested funds using the account servicing server system;

calculating the authorized amount based on the first authorization data and the second authorization data using the account servicing server system;

determining that the authorized amount exceeds the requested funds using the account servicing server system;

adjusting the first authorization data based on the authorized amount and the routing rule data using the account servicing server system;

adjusting the second authorization data based on the authorized amount and the routing rule data using the account servicing server system;

providing the adjusted first authorization data to the first funding source system using the account servicing server system; and

providing the adjusted second authorization data to the second funding source system using the account servicing server system.

11 . An account servicing server system, comprising:

a processor; and

a memory connected to the processor and storing an account servicing server application;

wherein the account servicing server application directs the processor to:

obtain requested transaction data where the requested transaction data identifies a consumer account and comprises transaction amount data;

identify a set of routing rules based on the identified consumer account;

request funds from at least one funding source system based on the set of routing rules, where the requested funds are based on the transaction amount data;

obtaining authorization data for the requested funds from the at least one funding source system;

generating transaction authorization data based on the obtained authorization data and the requested transaction data; and

providing the transaction authorization data.

12 . The system of claim 11 , wherein the routing rules comprise:

determining that the identified consumer account comprises a trusted consumer account; and

providing the transaction authorization data prior to obtaining authorization data for the requested funds from the at least one funding source system.

13 . The system of claim 11 , wherein:

the routing rules comprise determining that the requested transaction data identifies a health savings account transaction; and

the selected funding source system comprises a health savings account system.

14 . The system of claim 11 , wherein the routing rules comprise:

determining that a first funding source identified in the routing rule data is unavailable;

utilizing local balance data for the first funding source to determine the first funding source can provide the requested funds; and

providing the transaction authorization data prior to obtaining authorization data for the requested funds from the at least one funding source system.

15 . The system of claim 11 , wherein:

the requested transaction data comprises location data identifying the location where the transaction is occurring;

the routing rules further comprise identifying a local currency associated with the location where the transaction is occurring; and

the requested funds are requested in the local currency.

16 . The system of claim 11 , wherein:

the obtained authorization data for the requested funds from the at least one funding source system indicates that the authorized amount is less than the requested funds; and

the account servicing application further directs the processor to:

determine that the consumer account is eligible for a loan;

calculate the loan amount;

request the loan in the loan amount; and

utilize the requested loan and the obtained authorization data to provide authorization for the requested transaction data.

17 . The system of claim 11 , wherein the routing rules comprise:

identifying rewards data for each of the at least one funding source systems, where the rewards data comprises rewards amount data and category data for each funding source system;

determining transaction category data for the requested transaction data;

identifying a piece of rewards data based on the transaction category data and the category data; and

requesting funds from the funding source system associated with the identified piece of rewards data.

18 . The system of claim 11 , wherein:

the requested transaction data is obtained from a payment processor system; and

the transaction authorization data is provided to the payment processor system.

19 . The system of claim 11 , wherein the account servicing application directs the processor to request funds from at least one funding source system by:

identifying balance data for each of the at least one funding source system;

requesting a first portion of the requested funds from a first funding source system in the at least one funding source system based on the balance data for the first funding source system; and

requesting a second portion of the request funds from a second funding source system in the at least one funding source system based on the balance data for the second funding source system and the first portion of the requested funds.

20 . The system of claim 11 , wherein the account servicing application directs the processor to request funds from at least one funding source system by:

requesting funds identified in the transaction data from a first funding source in the at least one funding source;

requesting funds identified in the transaction data from a second funding source in the at least one funding source;

obtaining a first authorization data from the first funding source for a second portion of the requested funds;

obtaining a second authorization data from the second funding source for a second portion of the requested funds;

calculating the authorized amount based on the first authorization data and the second authorization data;

determining that the authorized amount exceeds the requested funds;

adjusting the first authorization data based on the authorized amount and the routing rule data;

adjusting the second authorization data based on the authorized amount and the routing rule data;

providing the adjusted first authorization data to the first funding source system; and

providing the adjusted second authorization data to the second funding source system.