Abstract: A smart card having a planar surface is provided. A plurality of sectors extend over the planar surface. Each sector includes a set of transaction processing electronics for performing account transactions in a manner independently operable from every other sector. The transaction processing electronics typically include a processor and memory for processing and storing data, a power coupler for transmitting power to the processor and memory, and a data coupler for transmitting data between the processor and memory and a smart card reader. The smart card serves as a substitute for a plurality of single-application cards. In one particular example, the smart card maintains up to four individual accounts, where each account is associated with a different quadrant of the card. The user simply selects the appropriate account by properly orienting the card upon inserting it into a smart card reader.