Abstract: Virtual account use in an online marketplace is described. Listings published to a multitude of client devices by the online marketplace include a first listing for a first item and a second listing for a second item. The first item is listed by a first user account and the second item is listed by a second user account. In connection with a third user account purchasing the first item, the online marketplace provides a first monetary compensation to the first user account from the third user account by updating a balance of a virtual account of the first user account to include the first monetary compensation. In connection with the first user account purchasing the second item via the second listing, the online marketplace provides at least a portion of the balance to the second user account directly from the virtual account as second monetary compensation.

Abstract: Methods and systems for managing merchant cash flow are described. A service provider accesses a large volume of merchant financial data collected and/or received to provide a meaningful forecast on merchant cash flow. Based on the forecast (e.g., positive or negative cash flow position), the service provider can provide options (e.g., credit, loan, deferred payment, etc.) to the merchant.

Abstract: Methods and systems for managing merchant cash flow are described. A service provider accesses a large volume of merchant financial data collected and/or received to provide a meaningful forecast on merchant cash flow. Based on the forecast (e.g., positive or negative cash flow position), the service provider can provide options (e.g., credit, loan, deferred payment, etc.) to the merchant.