1. An apparatus comprising: an input device, configured to receive input from a user: a communication device configured to transmit wireless signals to a transaction device; a memory comprising predetermined payment information stored therein comprising a user defined action for authorizing a wireless payment; and a processor communicably coupled to the input device, the communication device and the memory, wherein the processor is configured to operate computer instruction code to: receive a parameter from the user, wherein the parameter comprises a maximum time since a previous authentication; receive transaction information from the transaction device related to a transaction, wherein the transaction information comprises a current time; determine a time of a most recent authentication; determine a duration between the time of the most recent authentication and the current time; compare the duration to the parameter to determine when the duration is less than the maximum time since the previous authentication; receive a first input from the user; determine if the first input matches the user defined action for authorizing a wireless payment; and use the communication device to wirelessly transmit the predetermined payment information and authorize payment when the duration is less than the maximum time since the previous authentication and the first input matches the user defined action stored in the memory.