calling multiple procedures from my application Vs calling procedures inside another procedure

I have a scenario of saving user details into my database(MySQL 5.1); i have three tables for saving user details; user_data,user_contact,user_address, so if i insert one user data i have to check for existence of data in these tables. i have different functions for checking and procedures for insert into separate tables, So that i can use them separately and together depends on needs/situations.

insertion requires the following steps:

1. check of existence of data/s in user_data if exist skip the insertion, if not insert details.
2. check of existence of data/s in user_contact if exist skip the insertion and update contact_gid in user table, if not insert details and update contact_gid in user table.
3. similar in the case of user_address.

Here my question is that,
Which method is more efficient?

1. calling each separate procedure/function from my .net application,
   check for condition and call the next based on the condition using a
   single transaction.

2. Pass all required parameters(for all functions) to a single procedure,
   the condition checking and further executions are handled within this
   procedure.