Transaction management

A system, comprising:

• a computer processor;
• and
• an application executable by the computer processor, the application implementing a method, the method comprising:
• receiving a unique customer identifier and information for a purchase transaction via a network, the network interfacing with a point of purchase, and the unique customer identifier being associated with identification information for each of a plurality of financial accounts and offers;
• accessing a customer account via the unique customer identifier;
• retrieving vendor access information for a vendor from the customer account;
• accessing customer information from a data source of the vendor via the vendor access information, the customer information including at least two of:
• an accrued rewards benefit, a gift card balance, a currently offered discount for a good or service subject to the purchase transaction, a currently offered rebate for a good or service subject to the purchase transaction, a currently offered discount for the vendor, a currently offered rebate for the vendor, an interest rate on a lender-issued account, a balance on a debit account, an available balance on a credit account, and a balance on a prepaid account;
• applying a set of rules to the information for the purchase transaction and the plurality of financial accounts and offers, the set of rules calculating a payment function that results in a greatest economic benefit to a customer associated with the unique customer identifier, the economic benefit including cost savings and applied vendor-related benefits;
• and
• implementing the payment function responsive to the applying the set of rules.

A computer program product comprising a non-transitory computer-readable storage medium having instructions embodied thereon, which when executed by a computer processor, cause the computer processor to implement a method, the method comprising:

• receiving a unique customer identifier and information for a purchase transaction via a network, the network interfacing with a point of purchase, and the unique customer identifier being associated with identification information for each of a plurality of financial accounts and offers;
• accessing a customer account via the unique customer identifier;
• retrieving vendor access information for a vendor from the customer account;
• accessing customer information from a data source of the vendor via the vendor access information, the customer information including at least two of:
• an accrued rewards benefit, a gift card balance, a currently offered discount for a good or service subject to the purchase transaction, a currently offered rebate for a good or service subject to the purchase transaction, a currently offered discount rebate for the vendor, a currently offered rebate for the vendor, an interest rate on a lender-issued account, a balance on a debit account, an available balance on a credit account, and a balance on a prepaid account;
• applying a set of rules to the information for the purchase transaction and the plurality of financial accounts and offers, the set of rules calculating a payment function that results in a greatest economic benefit to a customer associated with the unique customer identifier, the economic benefit including cost savings and applied vendor-related benefits;
• and
• implementing the payment function responsive to the applying the set of rules.