Patent ID: 8109444

Claim:
A card, comprising: a physical interface that interfaces the card with a mobile host device including a Graphical User Interface (GUI), wherein the card executes wireless financial transactions independent of the mobile host device; an antenna that wirelessly receives Radio Frequency (RF) signals from and transmits RF signals to retail terminals; secure memory that stores user credentials used to execute the financial transactions with the retail terminals; a user-interface module that presents and receives information through the GUI of the mobile host device; and an antenna control module that identifies at least one of a hardware identifier of the mobile host device, a current cellular network communicating with the mobile host device, or a command from a financial institution associated with fraud detection and automatically switches, while inserted in the mobile host device, the antenna from an active state operable to execute transactions to an inactive state inoperable to execute transactions in response to at least the fraud-detection command or the mobile host device identifier or the current cellular network violating a fraud rule, wherein the user is prohibited from returning the card to an active state solely using the mobile host device.