Systems and methods for providing funding changes to financial transactions

A system for providing funding changes to financial transactions, comprising:

• one or more memory devices storing software instructions;
• and
• one or more processors configured to execute the software instructions to:
• identify a first financial transaction for a first amount and a second financial transaction for a second amount that have previously occurred within a determined period of time, the first financial transaction involving a first financial account associated with a user and the second financial transaction involving one of the first financial account or a second financial account associated with the user;
• determine an alternate financial account associated with the user that can be used to fund the first financial transaction for the first amount and the second financial transaction for the second amount;
• provide a funding type change option that identifies the alternate financial account for funding the first financial transaction and the second financial transaction;
• receive a funding type change indication to change the funding type of the first financial transaction from the first financial account to the alternate financial account and to change the funding type of the second financial transaction from the second financial account to the alternate financial account;
• and
• process the funding type change indication such that the first amount is applied to the alternate financial account and the first amount is credited to the first financial account and the second financial account.

A computer-implemented method for providing funding changes regarding financial transactions, comprising:

• Identifying, by one or more processors, a first financial transaction for a first amount that has previously occurred within a determined period of time, the financial transaction involving a first financial account associated with a user;
• determining, by one or more processors, a second financial account associated with the user that can be used to fund the first financial transaction for the first amount;
• providing, by one or more processors, a funding type change option that identifies the second financial account as an alternate financial account for funding the first financial transaction;
• receiving, by one or more processors, a funding type change indication to change the funding type of the first financial transaction from the first financial account to the second financial account;
• and
• processing, by one or more processors, the funding type change indication such that the first amount is applied to the second financial account and the first amount is credited to the first financial account.

A computer-implemented method for providing funding changes to financial transactions, comprising:

• identifying, by one or more processors, a first financial transaction for a first amount and a second financial transaction for a second amount that have previously occurred within a determined period of time, the first financial transaction involving a first financial account associated with a user and the second financial transaction involving one of the first financial account or a second financial account associated with the user;
• determining, by one or more processors, an alternate financial account associated with the user that can be used to fund the first financial transaction for the first amount and the second financial transaction for the second amount;
• providing, by one or more processors, a funding type change option that identifies the alternate financial account for funding the first financial transaction and the second financial transaction;
• receiving, by one or more processors, a funding type change indication to change the funding type of the first financial transaction from the first financial account to the alternate financial account and to change the funding type of the second financial transaction from the second financial account to the alternate financial account;
• and
• processing, by one or more processors, the funding type change indication such that the first amount is applied to the alternate financial account and the first amount is credited to the first financial account and the second financial account.