Patent ID: 8862181

Claim:
A mobile phone, comprising: a peripheral device of the mobile phone; a cellular radio transceiver of the mobile phone; a processor of the mobile phone; a non-transitory memory of the mobile phone; and an application stored in the non-transitory memory of the mobile phone that, when executed by the processor of the mobile phone: receives an indicia of each of a plurality of products provided by a from the peripheral device of the mobile phone, identifies the products based on each received indicia, retrieves, from the non-transitory memory of the mobile phone, a plurality of payment rules, wherein a first payment rule of the plurality of payment rules provides that a first category of product items are to be paid from a first payment account of a plurality of payment accounts and a second payment rule of the plurality of payment rules provides that a second category of product items are to be paid from a second payment account of the plurality of payment accounts, analyzes, on the mobile phone, the plurality of payment rules including the first and second payment rules that are associated with making an electronic payment for the identified products, wherein the analysis of the first payment rule identifies a first subset of the identified products as associated with the first category of product items and the analysis of the second payment rule identifies a second subset of the identified products as associated with the second category of product items, based on the analysis of the plurality of payment rules including the first and second payment rules, identifies the first payment account for paying for the first subset of the identified products and the second payment account for paying for the second subset of the identified products, in response to identifying the first and second payment accounts, presents, on a display, the identification of the first payment account with the first subset of identified products and the identification of the second payment account with the second subset of identified products for making an electronic payment for at least some of the identified products, and transmits, by the mobile phone, a first payment transaction message that identifies the first payment account corresponding with the first subset of the identified products and a second payment transaction message that identifies the second payment account corresponding with the second subset of the identified products as an electronic payment for the at least some of the identified products.