Patent attributes
A mobile device is provided. The mobile device comprises a card operable to validate an authentication input based on a stored authentication value and to provide financial information to an external point-of-sale system when the authentication input validates successfully. The mobile device further comprises a mobile application operable to promote the card operating in one of two operation modes. In the first operation mode, the card receives the authentication input via a component of the external point-of-sale system. In the second operation mode, the card receives the authentication input via a component of the mobile device.