Abstract: A method for conducting a financial transaction corresponding to a good or service includes providing a plurality of first credit or debit devices; associating a universal identifier with each of the first credit or debit devices; associating one of the first credit or debit devices with a plurality of second credit or debit cards; employing the one of the first credit or debit devices to initiate the financial transaction; selecting one of the second credit or debit cards based upon the unique identifier and the good or service; and employing the selected one of the second credit or debit cards to conclude the financial transaction.