A wireless smart card having a personal area network transceiver, such as a Bluetooth transceiver, to couple the wireless smart card with a mobile communication device, and a near field communication (NFC) and radio-frequency identification (RFID) transceiver to couple the wireless smart card to a wireless transaction device, and a transponder with a secure element to allow secure communications between the mobile communication device with the wireless smart card and the wireless smart card and the wireless transaction device is described. The wireless smart card allows, for example, contactless payment through a Bluetooth-enabled mobile communication device without modification to the mobile communication device.