Abstract: A user may be willing to purchase items or participate in a pay-for service offered by a service provider. A service provider may wish to verify characteristics of the user prior to allowing transactions to take place, and may want to secure the transactions once the transactions are allowed. A credential issued to a user and a transaction application uploaded to a user device may be used to secure transactions between the user and a service provider interface, such as a webserver or a point-of-sale. The transaction application may capture real-time user data and comparing the real-time user data to prior user data stored on the credential, authenticate the service provider interface to the user and the user to the service provider interface; and establish an encrypted session between the service provider interface and the transaction application adapted to authenticate the transactions between the user and the service provider interface.

Abstract: Techniques are disclosed for systems and methods to conduct transactions using a Multi-mode Card. A Multi-mode Card may include various components of a Smart Card and be configured to interface directly with a personal electronic device (e.g., a smart phone, a tablet computer, a personal computer, and/or other personal electronic devices) to confirm presence of the Multi-mode Card in an unattended digital transaction, such as for e-commerce and Internet purchases. A transaction system may include a logic device and an interface embedded in or on the Card, a client device such as a personal electronic device, and a server configured to provide a sales interface to a user through the client device. The logic device in the Card may be configured to authorize, encrypt, and/or otherwise facilitate a transaction involving a sale and/or other type of communication between the client device and the server.