Portable multifunction device with multiple applications

摘要

A portable hand-held multi-function device, such as a smart card or other peripheral device, and method of using same for purchase transactions. The device has processing circuitry, program storage, data memory, and a user input device. A plurality of transaction applications are stored in the data memory. The processing circuitry is programmed via instructions in the program storage to use, as a result of a user selection received via the user input device, one of the plurality of transaction applications for making payment for a purchase from a merchant in a purchase transaction.

主权项

1. A portable multi-function device comprising processing circuitry, program storage, data memory, and a user input device; wherein
a plurality of applications are stored in the data memory, the plurality of applications comprising at least a first payment application comprised of a credit card or a debit card application configured to effect payment from a first financial institution to a merchant and a second payment application comprised of a credit card or a debit card application configured to effect payment from a second financial institution to a merchant, wherein the first financial institution is different from the second financial institution; and the processing circuitry is programmed via instructions in the program storage to
initially select from a user profile a default application from the plurality of application for making payment to a merchant,provide an option to override the default application with a different application from the plurality of application,receive via a user input device on the portable multi-function device a user selection to override the default application with a different application, andoverride the default application with the different application selected via the user input device for making payment to the merchant.