Patent ID: 7571140

Claim:
A method for a payor paying a payee using a payment account, the method comprising: receiving selection at a point of sale (POS) terminal that a payor desires to use a payment enabler, wherein the POS terminal is located within a retail merchant; the payment enabler retrieving, from a user database, information on a plurality of payment accounts that comprise a first payment account and a second payment account; the payment enabler sending the first payment account and the second payment account to the POS terminal; the POS terminal presenting the first payment account and the second payment account for selection by the payor; the POS terminal receiving the selection of the first payment account; the POS terminal sending the selection to the payment enabler; before the payment is sent for authorization, the payment enabler determining the first payment account is inadequate in some respect to pay the payee; in response to determining the first payment account is inadequate, the payment enabler suggesting a second payment account to the payor; and the payment enabler paying the payee with the second payment account.