Patent attributes
Embodiments may include a payment management system that receives information indicating a first transaction is to be initiated, the information specifying a first quantity of funds. The system may determine that an additional transaction for a respective quantity of funds is expected to be initiated within a given time period. The system may, prior to initiation of the additional transaction, generate a payment authorization request for a combined quantity of funds equal to at least a sum of the first quantity of funds and the respective quantity of funds of the additional transaction. The system may, subsequent to receiving information indicating that a payment authorization for the combined quantity of funds was issued and subsequent to receiving information indicating that the additional transaction is to be initiated, initiate settlement of the first transaction and the at least one additional transaction using the combined quantity of funds of the payment authorization.
