A method includes reading a card number from a payment device at a point of sale (POS) terminal. The method further includes transmitting a message from the POS terminal to a remote host computer, where the message includes the card number. Still further, the method includes receiving wallet data at the POS terminal from the host computer. The wallet data indicates a plurality of payment accounts associated with the card number. In addition, the method includes displaying the wallet data at the POS terminal and receiving a selection indication from a user at the POS terminal, where the selection indication is for selecting one of the payment accounts.