Devices for combining microchip cards and contactless tags, namely, near field communication (NFC) and radio frequency identification (RFID) tags with computer peripheral equipment and terminal equipment, namely, smart card readers, smart card terminals, building access readers, premises and data access control systems, proximity card readers, contact and contactless electronic card readers, and electronic ID card readers; blank smartcards and contactless tags; encoded smart cards and tags containing program instructions used to store personal identification numbers, PKI certificates, and encryption keys; encoded smart cards containing program instructions used for multi-factor authentication of user credentials for data and premises access control; computer hardware and computer software for chip card readers for data and premises access control; interfaces for computers and associated software for data and premises access control; computer software and computer hardware for reading identification cards; computer hardware and software systems used for creating, managing, and processing the identity of people and things employing smart cards and tags, smart card and contactless tag readers; enrollment management software for capturing user information and producing and distributing user credentials used for data and premises access control; interfaces for computers and associated software for identity management for premises and data access control; computer software and computer hardware for authentication of said devices and identities