A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction (e.g., a cloud-based transaction) is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction.