A device configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction, comprising: a biometric sensor configured to receive a biometric input provided by the user; a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts; a communication link configured to communicate with a secure registry; and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface and the communication link, the processor configured to activate the device to generate authentication information employed in executing the financial transaction based on a successful authentication by the device of each of the biometric input provided by the user and the secret information, and a discrete code associated with the device which is inaccessible to a user of a the device, the authentication information associated with one of the plurality of accounts but not including the account number of the one of the plurality of accounts and the processor is configured such that once the device is activated the processor generates authentication information including a non-predictable value from the discrete code, the identifying information, and at least one of the information concerning the biometric input and the secret information and communicates the authentication information via the communication link to the secure registry; wherein: the communication link is configured to wirelessly transmit the authentication information to a point-of-sale device, the POS device is configured to transmit the authentication information to the secure registry, the secure registry is configured to authenticate an identity of the user based on the non-predictable value and information for a user stored at the secure registry. a biometric sensor configured to receive a biometric input provided by the user; a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts; a communication link configured to communicate with a secure registry; and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface and the communication link, the processor configured to activate the device to generate authentication information employed in executing the financial transaction based on a successful authentication by the device of each of the biometric input provided by the user and the secret information, and a discrete code associated with the device which is inaccessible to a user of a the device, the authentication information associated with one of the plurality of accounts but not including the account number of the one of the plurality of accounts and the processor is configured such that once the device is activated the processor generates authentication information including a non-predictable value from the discrete code, the identifying information, and at least one of the information concerning the biometric input and the secret information and communicates the authentication information via the communication link to the secure registry; wherein: the communication link is configured to wirelessly transmit the authentication information to a point-of-sale device, the POS device is configured to transmit the authentication information to the secure registry, the secure registry is configured to authenticate an identity of the user based on the non-predictable value and information for a user stored at the secure registry. the communication link is configured to wirelessly transmit the authentication information to a point-of-sale device, the POS device is configured to transmit the authentication information to the secure registry, the secure registry is configured to authenticate an identity of the user based on the non-predictable value and information for a user stored at the secure registry.