1. A method of determining a banking account for a transaction comprising, recognizing, via a computer device processor, one or more products as a target object based on a digital representation of a scene and appropriate to a location of a mobile device; receiving target object information associated with the target object and about multiple accounts linked to a user; determining promotions associated with the target object, wherein the promotions are for purchases of the products using at least one of the accounts linked to the user; determining the account linked to the user for use in payment for the recognized products; and presenting, via mobile device, the target object information associated with the product and associated with an on-line transaction.