Abstract: A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.

Abstract: A system, method and computer program product for allowing users to set-up a separate stored value account on their transaction instrument to fund expenses. The stored value account, referred to herein as a Universal Rollover Account (URA) system, can be funded by check, an Automated Clearing House (ACH), or by charging another card or transaction instrument. Users and/or card-members will be given access to a web portal to manage their Universal Rollover Accounts, including changing their funding method, adding or withdrawing funds, and changing their configuration such that the URA bucket can come before or after other funding accounts in a payment hierarchy.

Abstract: A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of the item based on the payment authorization.