Patent ID: 7708193

Claim:
A machine-readable medium that processes transactions from a customer on a computer system having software modules that comprise: a receiving module to receive transactions from a customer, the transactions detailing payment for goods or services; a transaction processing module coupled to the receiving module to parse the transaction to determine the transaction type and pass the transaction type and the transaction to a message processing module, the transaction type including at least one of the following: credit card transaction, debit card transaction, or reward card transaction; the message processing module to properly format a transaction message based on the transaction type, the formatted transaction message including a reward transaction message or non-reward transaction message, the transaction message configured to be sent to a financial entity for further processing; a user interface module coupled to the receiving module to provide an interface to the customer within which the transaction can be formatted; and a query module to receive a verification response from the financial entity, the verification response including information on at least two other accounts available to and presented during the transaction to the customer from the financial entity if a rewards account associated with the customer does not cover the transaction.