1. A remote user authentication device comprising: a. a hand-held card-device with an interface means and an embedded computer logic, wherein the logic and the interface means are used to interface the device to a network for a “what you have” factor of authentication; b. the device adapted with a thumbprint sensor on a part of the device for when the device is held, the thumb is naturally placed on the sensor, enabling capture of a thumbprint of a cardholder.