Abstract: An approach is provided for purchasing items using contactless payment devices (credit cards and debit cards, key fobs, smartcards or other devices). The approach retrieves the contactless payment identifiers that each pertain to a separate payment account used by a user. One of the contactless payment identifiers is selected based on one or more selection criteria, such as user and monetary incentives. The approach further pays for purchases using the payment account that corresponds to the selected contactless payment identifier.

Abstract: An approach is provided for a wireless mobile device that includes a processor, a wireless adapter, and a memory to connect to an access point using a generated random pseudo-MAC address that reduces address collisions with other devices. The approach generates a dynamic MAC address for the device. The dynamic MAC address includes a static portion that is based on a portion of an actual MAC address of the device and a dynamic portion that is based on a quasi-random value. The device wirelessly connects to an access point using the generated dynamic MAC address.