Abstract: A method to submit a payment using a mobile device, including receiving, from a user of the mobile device, input to change a first code to a second code, where the first code includes a payment account number stored in the mobile device, obtaining, in response to the input of the user, the first code from a first output buffer storing data for transmission in a first transmission mode, converting the first code stored in the first output buffer into the second code, storing the second code in a second output buffer for transmission in a second transmission mode, and transmitting the second code to the POS device in the second transmission mode, wherein the payment account number is extracted from the second code by the POS device for completing the payment.