Method and system for processing an account

A process for deploying computing infrastructure, said process comprising integrating computer-readable code into a computing system, wherein the code in combination with the computing system is capable of performing a method for processing an account for a transaction between a merchant and a customer of the merchant, said transaction having provided goods, services, or both goods and services by the merchant to and/or for the customer such that the merchant is owed a total payment to settle the account, said method comprising:

• dividing the account into N subaccounts and the total payment into N subaccount payments respectively associated with the N subaccounts, said N being at least 2;
• notifying N payers of the N subaccounts, said N payers being responsible for making the N subaccount payments to settle the N subaccounts, respectively;
• making the N subaccounts available to N payers, respectively;
• receiving the N subaccount payments from N payment providers using N payment instruments for settling the N subaccounts, respectively, wherein the N payment providers and the N payment instruments had been previously identified by the N payers;
• and
• paying the total payment to the merchant,
• wherein said making the N subaccounts available is performed after said dividing is performed and said receiving the N subaccount payments is performed after said making the N subaccounts available is performed, and
• wherein said dividing, said making the N subaccounts available, said receiving the N subaccount payments, and said paying the total payment are performed by a subaccounting system.