| CPC G06Q 20/352 (2013.01) [G06Q 20/3226 (2013.01); G06Q 20/353 (2013.01); G06Q 20/3829 (2013.01); G06Q 2220/123 (2013.01)] | 20 Claims |

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1. A card comprising:
one or more antennas;
one or more processors;
non-transitory memory in communication with the one or more processors and storing instructions and one or more applications that, when executed, cause the one or more processors to perform the steps of:
receiving one or more preloaded credentials;
receiving, via at least one of the one or more antennas, first data of a first data type, the first data type corresponding to transaction data;
generating, via a first application configured to process data of the first data type, a first response to the first data;
transmitting, via at least one of the one or more antennas, the first response;
receiving, via at least one of the one or more antennas, second data of a second data type, the second data type corresponding to authentication data and having a non-Europay-Mastercard-Visa (EMV) format;
generating, via a second application configured to process responses to data of the second data type, a second response to the second data using the one or more preloaded credentials; and
transmitting, via at least one of the one or more antennas, the second response.
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