Abstract: Payment systems allowing credit and/or points to fund financial transactions are provided. In one example, a payment system comprises a credit device issued to a consumer enabling the consumer to purchase products or services from a plurality of merchants using funds from a credit account associated with the consumer. The payment system comprises a payment network enabling the plurality of merchants to receive payment from an issuer that issues the credit device to the consumer. A funding device is configured to access information regarding credit available from the credit account, the funding device further configured to access information regarding points available to the consumer. The funding device is configured to use pre-established rules to determine the use of available credit and available points for completing a transaction with a first merchant of the plurality of merchants. The transaction appears to the first merchant as a regular credit card transaction.

Abstract: Payment systems allowing credit and/or points to fund financial transactions are provided. In one example, a payment system comprises a credit device issued to a consumer enabling the consumer to purchase products or services from a plurality of merchants using funds from a credit account associated with the consumer. The payment system comprises a payment network enabling the plurality of merchants to receive payment from an issuer that issues the credit device to the consumer. A funding device is configured to access information regarding credit available from the credit account, the funding device further configured to access information regarding points available to the consumer. The funding device is configured to use pre-established rules to determine the use of available credit and available points for completing a transaction with a first merchant of the plurality of merchants. The transaction appears to the first merchant as a regular credit card transaction.

Abstract: Payment systems allowing credit and/or points to fund financial transactions are provided. In one example, a payment system comprises a credit device issued to a consumer enabling the consumer to purchase products or services from a plurality of merchants using funds from a credit account associated with the consumer. The payment system comprises a payment network enabling the plurality of merchants to receive payment from an issuer that issues the credit device to the consumer. A funding device is configured to access information regarding credit available from the credit account, the funding device further configured to access information regarding points available to the consumer. The funding device is configured to use pre-established rules to determine the use of available credit and available points for completing a transaction with a first merchant of the plurality of merchants. The transaction appears to the first merchant as a regular credit card transaction.