Cloud platform for multiple account management & automated transaction processing

A system for managing multiple accounts comprising at least one computing device coupled to client device over a computer network, the at least one computing device having software associated therewith that when executed by the at least one computing device causes the at least one computing device to perform a method comprising:

• causing an interface screen to be displayed at a client device that allows a user to link a plurality of accounts to a unified payment device, each of the plurality of accounts having a unique identification number;
• storing a purchase profile associated with the user, the profile comprising at least one rule that dictates how payment is to be made using the unified payment device;
• receiving a request to purchase at least one item from a merchant at a point of sale using the unified payment device;
• identifying a first and a second of the plurality of accounts linked to the unique unified payment device to be used to pay for the purchase based on the at least one rule;
• splitting the purchase between the first and the second account;
• processing the request to purchase the at least one item with the first and the second accounts identified;
• and
• communicating approval for the purchase to the merchant.