a user is provided with access to funds in an account held an account server computer , the account associated with and accessible via a token . a plurality of unique depositor identifiers is associated with the account , with of the depositor identifiers enabling a depositor to deposit a subset of funds into the account . each subset of funds will be recorded in the account in association with the depositor identifier . each of the depositor identifiers are subsequently distributed to a plurality of depositors . a depositor may then deposit a subset of funds into the account using the depositor identifiers he or she has been provided , with the subset of funds being recorded in the account in association with the depositor identifier . a user then may access funds from the account using the token , with the funds including at least one subset of funds previously deposited by a depositor . a statement of the account may be generated that indicates each subset of funds deposited by a depositor along with the identifying indicia associated with the deposited subset of funds .