To read a bit of info about your credit card you can use this https://github.com/martinpaljak/GlobalPlatformPro https://github.com/martinpaljak/GlobalPlatformPr

To read a bit of info about your credit card you can use this https://github.com/martinpaljak/GlobalPlatformPro https://github.com/martinpaljak/GlobalPlatformPro, it will output something like Card CPLC: ICFabricator: 4790 ICType: 5049 OperatingSystemID: 8241 OperatingSystemReleaseDate: 2218 OperatingSystemReleaseLevel: 1520 ICFabricationDate: 3086 ICSerialNumber: 06575696 ICBatchIdentifier: 6664 ICModuleFabricator: 4810 ICModulePackagingDate: 3086 ICCManufacturer: 1180 ICEmbeddingDate: 3086 etc I guess it's enough information to concoct some kind of 2-factor auth, but what is stopping you from promoting your real smart card into "always-with-me"? Or one of smartcards, since you can have many. NFC-capable phones can act as a card reader for contactless smartcards AFAIK, so that's something you can look into also.