PORTABLE MULTIFUNCTION DEVICE WITH MULTIPLE APPLICATIONS
A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each tracking the user's earned reward points in a user reward point account stored on a multi-function card (such as a frequent flyer account or a credit card loyalty account). The multi-function card is adapted to aggregate some or all of the user's earned reward points from the reward accounts and credit the aggregated points into a single reward exchange account on the multi-function card. The user may then select an item for purchase with the accumulated reward points from the multi-function card. The item is provided to the user in exchange for a subset or all of the reward points from the multi-function card.
1 - 34 . (canceled)
35 . A portable device comprising processing circuitry, program storage, data memory, and a user input device; wherein
a plurality of transaction applications are stored in the data memory; and
the processing circuitry is programmed via instructions in the program storage to
initially select a default transaction application from the plurality of transaction applications for executing a transaction,
provide an option to override the default transaction application with a different transaction application from the plurality of transaction applications,
receive via the user input device a user selection to override the default transaction application with a different transaction application, and
override the default transaction application with the different transaction application selected via the user input device for executing the transaction.
36 . The portable device of claim 35 wherein the user input device comprises a button.
37 . The portable device of claim 35 , wherein the data memory comprises a reward account that stores rewards associated with the selected transaction application.
38 . The portable device of claim 35 , wherein the plurality of transaction applications comprises a credit card application.
39 . The portable device of claim 35 , wherein the plurality of transaction applications comprises a debit card application.
40 . The portable device of claim 35 comprising a smart card.
41 . The portable device of claim 35 comprising a peripheral device.
42 . A method of using a portable device for executing a transaction comprising
storing in a data memory of the portable device a plurality of transaction applications,
processing circuitry of the portable device initially selecting a default transaction application from the plurality of transaction applications for executing a transaction,
the processing circuitry providing an option to override the default transaction application with a different transaction application from the plurality of transaction applications,
the processing circuitry receiving via a user input device on the portable device a user selection to override the default transaction application with a different transaction application, and
the processing circuitry overriding the default transaction application with the different transaction application selected via the user input device for executing the transaction.
43 . The method of claim 42 wherein the user input device comprises a button.
44 . The method of claim 42 , wherein the data memory comprises a reward account that stores rewards associated with the selected transaction application.
45 . The method of claim 42 , wherein the plurality of transaction applications comprises a credit card application.
46 . The method of claim 42 , wherein the plurality of transaction applications comprises a debit card application.
47 . The method of claim 42 wherein the portable device comprises a smart card.
48 . The method of claim 42 wherein the portable device comprises a peripheral device.
49 . The portable device of claim 35 wherein the default transaction application is initially selected from a user profile.
50 . The method of claim 42 wherein the default transaction application is initially selected from a user profile.