Associating an account with a card
A method and system for multi-account payment processing are described. An example method includes: receiving, at a computing system and for a payment transaction involving one or more items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information; determining, at the computing system and based on one or more account selection criteria, one or more accounts of the plurality of accounts to use for processing the payment transaction, wherein the one or more account selection criteria include at least one of merchant type or available funds in the plurality of accounts; and processing, at the computing system, a respective aspect of the payment transaction corresponding to a respective item of the one or more items using a respective account of the determined one or more accounts.
1. A method for multi-account payment processing comprising:
receiving, at a computing system and for a payment transaction involving one or more items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information;
selecting, using circuitry of the computing system based on one or more account selection criteria, one or more accounts of the plurality of accounts to use for processing the payment transaction, wherein the one or more account selection criteria comprise at least one of merchant type or available funds in the plurality of accounts; and
processing, at the computing system, a respective aspect of the payment transaction corresponding to a respective item of the one or more items using a respective account of the selected one or more accounts.
2. The method of claim 1 , wherein the one or more account selection criteria are customized for the purchaser.
3. The method of claim 1 , wherein selecting the one or more accounts comprises:
determining that a first account will be used for processing a first aspect of the payment transaction corresponding to a first item of the one or more items; and
determining, in response to an account change request received from a computing device of the purchaser, that a second account will be used instead of the first account for processing the first aspect of the payment transaction.
4. The method of claim 1 , wherein the one or more account selection criteria further comprise at least one of past payment account selections, past payment account usage, a credit limit, or available credit.
5. The method of claim 1 , wherein the one or more account selection criteria further comprise incentive program information for the plurality of accounts, and wherein selecting the one or more accounts comprises selecting an account that optimizes incentive program points for the payment transaction.
6. The method of claim 1 , wherein the one or more account selection criteria further comprise at least one of a location of the payment transaction or a time of the payment transaction.
7. The method of claim 1 , wherein selecting the one or more accounts comprises:
determining a first account of the plurality of accounts to process a first aspect of the payment transaction corresponding to a first item from the one or more items; and
determining a second account of the plurality of accounts to process a second aspect of the payment transaction corresponding to a second item from the one or more items, wherein the first account determined for the first item is different from the second account determined for the second item.
8. The method of claim 1 , wherein:
a first account of the plurality of accounts comprises a payment account,
a second account of the plurality of accounts comprises a loyalty account, and
processing the respective aspect of the payment transaction comprises:
charging at least a portion of a purchase amount for the payment transaction to the first account; and
updating the loyalty account based on the payment transaction.
9. The method of claim 8 , wherein:
selecting the one or more accounts further comprises determining, at the computing system and based on identifying information for the one or more items, a third account of the plurality of accounts to process another portion of the purchase amount for the payment transaction, and
processing the respective aspect of the payment transaction comprises charging at least the other portion of the purchase amount for the payment transaction to the third account.
10. The method of claim 1 , wherein processing the respective aspect of the payment transaction comprises obtaining, by the computing system and from at least one of a processing service, a financial service, or a banking service, authorization for a payment associated with the payment transaction.
11. A system for multi-account payment processing, comprising:
one or more computer processors programmed to perform operations comprising:
receiving, for a payment transaction involving one or more items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information;
selecting, based on one or more account selection criteria for which the one or more computer processors are programmed, one or more accounts of the plurality of accounts to use for processing the payment transaction, wherein the one or more account selection criteria comprise at least one of merchant type or available funds in the plurality of accounts; and
processing a respective aspect of the payment transaction corresponding to a respective item of the one or more items using a respective account of the selected one or more accounts.
12. The system of claim 11 , wherein the one or more account selection criteria are customized for the purchaser.
13. The system of claim 11 , wherein selecting the one or more accounts comprises:
determining that a first account will be used for processing a first aspect of the payment transaction corresponding to a first item of the one or more items; and
determining, in response to an account change request received from a computing device of the purchaser, that a second account will be used instead of the first account for processing the first aspect of the payment transaction.
14. The system of claim 11 , wherein the one or more account selection criteria further comprise at least one of past payment account selections, past payment account usage, a credit limit, or available credit.
15. The system of claim 11 , wherein the one or more account selection criteria further comprise incentive program information for the plurality of accounts, and wherein selecting the one or more accounts comprises selecting an account that optimizes incentive program points for the payment transaction.
16. The system of claim 11 , wherein the one or more account selection criteria further comprise at least one of a location of the payment transaction or a time of the payment transaction.
17. The system of claim 11 , wherein the one or more computer processors are programmed to perform the selecting based on an algorithm that uses the one or more account selection criteria.
18. The system of claim 11 , wherein:
a first account of the plurality of accounts comprises a payment account,
a second account of the plurality of accounts comprises a loyalty account, and
processing the respective aspect of the payment transaction comprises:
charging at least a portion of a purchase amount for the payment transaction to the first account; and
updating the loyalty account based on the payment transaction.
19. The system of claim 18 , wherein:
selecting the one or more accounts further comprises determining, based on identifying information for the one or more items, a third account of the plurality of accounts to process another portion of the purchase amount for the payment transaction, and
processing the respective aspect of the payment transaction comprises charging at least the other portion of the purchase amount for the payment transaction to the third account.
20. A non-transitory computer-readable medium having instructions stored thereon that, when executed by one or more computer processors, cause the computer processors to perform operations comprising:
receiving, at a computing system and for a payment transaction involving one or more items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information;
selecting, at the computing system based on one or more account selection criteria, one or more accounts of the plurality of accounts to use for processing the payment transaction, wherein the one or more account selection criteria comprise at least one of merchant type or available funds in the plurality of accounts; and
processing, at the computing system, a respective aspect of the payment transaction corresponding to a respective item of the one or more items using a respective account of the selected one or more accounts.