receiving, by a mobile device of a customer, a first short-range wireless communication from a point-of-sale device, the first short-range wireless communication including a payment amount for a transaction;

in response to receiving the first short-range wireless communication from the point-of-sale device, prompting, by the mobile device, the customer to tap an authentication device to the mobile device;

detecting, by the mobile device, the authentication device based on a second short-range wireless communication between the mobile device and the authentication device;

in response to detecting the authentication device, retrieving, by the mobile device, authentication data of the customer from the authentication device via the second short-range wireless communication, the authentication data including a credential associated with an account of the customer;

populating, by the mobile device, a graphical user interface displayed to the customer using the payment amount received from the point-of-sale device via the first short-range wireless communication and the authentication data retrieved from the authentication device based on the second short-range wireless communication;

receiving, by the mobile device, a selection from the customer to send the payment amount and the authentication data to an account management system;

sending, by the mobile device, the payment amount and the authentication data to the account management system based on the received selection;

receiving, by the mobile device, a payment option for a transaction based on the customer being authenticated using the authentication data; and

transmitting, by the mobile device, the payment option to a merchant computing system to perform the transaction.