| 主权项 |
1. A spending gate payment system for automating selection of a funding source from a plurality of funding sources in making a payment based at least in part on interest rates associated with each of the plurality of funding sources, comprising:
a communication system that is coupled to a network; a processing system that is coupled to the communication system; a storage system that is coupled to the processing system; and a spending gate engine that is provided by the processing system executing instruction that are stored in the storage system, wherein the spending gate engine is configured to:
receive, through the network using the communication system, a plurality of spending gate definitions for a customer account, wherein each of the plurality of spending gate definitions associates at least one of a plurality of funding sources of the customer account with a purchase amount range, and wherein at least one of the plurality of spending gate definitions associates a plurality of the funding sources of the customer account with a second purchase amount range and an interest rate condition that is used to select a funding source with the lowest interest rate from the plurality of the funding sources that are associated with the second purchase amount range;store, in the storage system, the plurality of spending gate definitions;receive, through the network using the communication system, payment requests for respective purchases using the customer account, wherein each payment request includes a respective payment amount;initiate, through the network using the communication system in response to comparing a first payment request and the plurality of spending gate definitions and determining that a respective first payment amount for the first payment request corresponds to a first purchase amount range included in at least one of the spending definitions, a first payment using a first funding source of the customer account that is associated with the first purchase amount range according to the at least one spending definition; andinitiate, through the network using the communication system in response to comparing a second payment request and the plurality of spending gate definitions and determining that a respective second payment amount for the second payment request corresponds to the second purchase amount range included in at least one of the spending definitions database, a second payment using a second funding source that is selected from the plurality of funding sources of the customer account that are associated with the second purchase amount range, that complies with the interest rate condition according to the at least one spending definition by having the lowest interest rate of the plurality of the funding sources that are associated with the second purchase amount range, and that is different from the first funding source of the customer account that is associated with the first purchase amount range. |
