Patent ID: 8001047

Claim:
A smart card, comprising: a processor; memory coupled to the processor, wherein the memory is configured to store a plurality of entries, at least two of which include pseudo payment information for a user's account with a financial institution; wherein the smart card is configured to perform, in response to receiving a stimulus from a card reader during a commercial transaction, operations comprising: receiving information about the commercial transaction; selecting one, but not all, of the at least two entries of the plurality of entries, wherein the entry is selected, by the processor, based on the received information about the commercial transaction; and outputting the pseudo payment information included in the selected one entry by providing the included pseudo payment information to the card reader without outputting other pseudo payment information included in non-selected entries; wherein the pseudo payment information output by the smart card is usable by an entity to facilitate the entity to receive payment for the commercial transaction without allowing the entity to identify the user or the account; and wherein the smart card is configured to select a different entry of the at least two entries and to provide pseudo payment information included in the selected different entry in response to receiving a stimulus corresponding to a different commercial transaction.