A point of sale device (110, 200), comprising: a card reader configured to read account information from an inserted card, wherein the inserted card includes a contact pad that is configured to communicate with the card reader, the account information including a first account number that is stored on the inserted card; a communications interface that is configured for data communication with an authorization network; and a processor connected to the card reader and the communications interface, the processor configured to: receive the account information from the inserted card via the card reader; communicate the first account number via the authorization network to determine whether a transaction associated with the inserted card is authorized; receive an authorization response, the authorization response including a rejection notification if the transaction is not authorized; transmit the rejection notification to a mobile device via the card reader and inserted card in a manner that enables the inserted card to transmit the rejection notification to the mobile device via a wireless connection, wherein the wireless connection uses a short-range wireless communications field; wherein the inserted card includes a wireless interface that is configured to communicate with the mobile device via the wireless connection; receive a second account number that is stored on the mobile device via the wireless connection to the inserted card and the card reader; and communicate the second account number via the authorization network to determine whether the transaction associated with the second account number is authorized. a card reader configured to read account information from an inserted card, wherein the inserted card includes a contact pad that is configured to communicate with the card reader, the account information including a first account number that is stored on the inserted card; a communications interface that is configured for data communication with an authorization network; and a processor connected to the card reader and the communications interface, the processor configured to: receive the account information from the inserted card via the card reader; communicate the first account number via the authorization network to determine whether a transaction associated with the inserted card is authorized; receive an authorization response, the authorization response including a rejection notification if the transaction is not authorized; transmit the rejection notification to a mobile device via the card reader and inserted card in a manner that enables the inserted card to transmit the rejection notification to the mobile device via a wireless connection, wherein the wireless connection uses a short-range wireless communications field; wherein the inserted card includes a wireless interface that is configured to communicate with the mobile device via the wireless connection; receive a second account number that is stored on the mobile device via the wireless connection to the inserted card and the card reader; and communicate the second account number via the authorization network to determine whether the transaction associated with the second account number is authorized. receive the account information from the inserted card via the card reader; communicate the first account number via the authorization network to determine whether a transaction associated with the inserted card is authorized; receive an authorization response, the authorization response including a rejection notification if the transaction is not authorized; transmit the rejection notification to a mobile device via the card reader and inserted card in a manner that enables the inserted card to transmit the rejection notification to the mobile device via a wireless connection, wherein the wireless connection uses a short-range wireless communications field; wherein the inserted card includes a wireless interface that is configured to communicate with the mobile device via the wireless connection; receive a second account number that is stored on the mobile device via the wireless connection to the inserted card and the card reader; and communicate the second account number via the authorization network to determine whether the transaction associated with the second account number is authorized.