Dual layer universal smart card / phone

A computer telephony integrated (CTI) mobile transactional and communications device comprising:

• a first physical layer of electronic components adapted to fit in a first rectangular housing having a length, a width, and an internal volume defined by a uniform thickness, the components adapted in aggregate to function as a mobile CTI communications device capable of accessing a wireless mobile network;
• a second physical layer of electronic components adapted to fit in a second rectangular housing having a same or similar length and width as the first rectangular housing, the second housing having less internal volume defined by a uniform thickness, the components adapted in aggregate to function as a mobile smart card capable of accessing a financial network to perform transactions and manage accounts, the first and second housings adapted to be coupled;
• a plurality of contact pads distributed in like number and geometric pattern to interfacing sides of the first and second housings, the contact pads magnetized to attract opposing contact pads to couple the first and second housings together along the interfacing sides.