| CPC G06K 7/10297 (2013.01) [G06K 19/0723 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); H04W 12/63 (2021.01)] | 20 Claims |

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1. A smart card comprising:
a processor; and
a memory in communication with the processor and storing instructions that, when executed by the processor, cause the smart card to:
receive a request from a user device to access information from the smart card;
receive an access code from the user device, the access code comprising a cardholder's access code retrieved by the user device from a remote server; and
in response to determining that the access code matches a stored access code stored in the memory, transmit the information to the user device.
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