Patent attributes
The present disclosure is directed to a system and method for wirelessly executing transactions with different institutions. In some implementations, a physical interface, a communication module, secure memory, a user-interface module, and a transaction module. The physical interface connects to a port of a mobile host device that includes a Graphical User Interface (GUI). The communication module wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to an access terminal. The secure memory stores a plurality of selectable user credentials. At least one set of user credentials is used to execute transactions with the access terminal, and each set is associated with different institutions. The transaction module dynamically switches between the plurality of selectable user credentials in response to at least an event and wirelessly transmits to the access terminal a response to a requested transaction including user credentials selected from the plurality of selectable user credentials.
