The idea for Diners Club was conceived at the Majors Cabin Grill restaurant in New York City in 1949.[5] Diners Club cofounder Frank McNamara was dining with clients and realized he had left his wallet in another suit.[6] His wife paid the tab, and McNamara thought of a multipurpose charge card as a way to avoid similar embarrassments in the future.[3] He discussed the idea with the restaurant owner at the table,[8] and the following day with his lawyer Ralph Schneider and friend Alfred Bloomingdale.[8]