A
system for multi-factor security involving multiple secure devices that distribute the secured functions of the
system over the different devices, such that the loss or theft of any one of them does not compromise the overall security of the
system. Moreover, a configuration of devices is also secure even if one of them has been attacked by malicious
software agents, such as “keyboard sniffers”. A novel
contactless smart card reader (200) is presented that incorporates a
transceiver antenna (220) within a keypad (210) of a device used with contactless smart cards (100). When the card (100) is pressed against the device's keypad (210), the
transceiver (220) of the device establishes a session with the
smart card (100). A variety of systems are presented, including those using mobile telephones, computer-interfaced card readers, personal digital appliances, and
television set-top box remote controllers.