Patent ID: 8781891

Claim:
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, and override the default application with the different application selected via the user input device for making payment to the merchant.