US Patent 10949828 Transaction processing based on statistical classification and contextual analysis

A computer-implemented method includes: receiving, by a computing device, transaction information for a transaction, wherein the transaction information identifies one or more items in the transaction; classifying, by the computing device, each of the one or more items; selecting, by the computing device, one or more payment accounts, of a plurality of payment accounts, to use to pay for the one or more items based on the classifying each of the one or more items; and communicating, by the computing device, with one or more payment servers to charge the one or more payment accounts for the one or more items.