A 
system, method, apparatus and 
computer program product for providing location based functions and mobile e-commerce comprising a 
central processing unit including a processor, a storage device, and 
programming stored in the storage device, a 
display device, an audio 
input device, an audio 
output device, a communications module, a commerce module, an image module, and a location module. The 
programming controls the operation of the present invention to provide functions based on 
location data, to facilitate commercial exchanges by wirelessly exchanging 
payment and product information with venders, to identify services such as venders meeting selection criteria, to wirelessly exchange select information with other users and systems, to 
restrict and / or monitor the use of the device based on authorized user parameters, selecting one of a plurality networks through which to communicate, detecting a trigger for performing an action based on a change in location and sensed data, storing a voice 
annotation with a computer 
data file, determining service providers and associated communication parameters, contemporaneously maintaining a 
wireless voice and 
data link, providing a 
system for selecting and delivering mobile advertisements, and many other functions and services that are described herein.