US Patent 8423453 Systems and methods for processing a transaction

A system and method for processing a transaction by identifying a credit account and a demand deposit account, receiving transaction data associated with a transaction initiated by an account holder with a merchant using the credit account, determining whether the transaction amount exceeds the available credit amount, requesting via a network a transfer of the transaction amount from the demand deposit account, and transferring at least a portion of the transaction amount to pay the merchant. The transfer may be a first type of transfer or a second type of transfer depending on whether the transaction amount exceeds the available credit amount.