Secure management of transactions using a smart/virtual card

A non-transitory computer readable medium storing executable instructions that, when executed by one or more processors, causes the one or more processors to perform operations of:

• receiving a protected object from a protected object supplier service, wherein the protected object is an encrypted object;
• receiving a security object from a security object issuer, wherein the security object is one of a credential, token, or key;
• receiving, from a card reader associated with a point of sale, a signal comprising features of a transaction by a user;
• determining that the features of the transaction exceed a value;
• displaying a message;
• receiving biometric identification data for the user from a camera;
• creating a private key by combining the security object and the biometric identification data;
• decrypting the protected object using the private key;
• and
• executing, using the decrypted protected object, software code in a processing circuit.

A computer system comprising:

• one or more processors;
• and
• a non-transitory computer readable medium storing executable instructions that, when executed by the one or more processors, causes the one or more processors to perform operations of:
• receiving a protected object from a protected object supplier service, wherein the protected object is an encrypted object;
• receiving a security object from a security object issuer, wherein the security object is one of a credential, token, or key;
• receiving, from a card reader associated with a point of sale, a signal comprising features of a transaction by a user;
• determining that the features of the transaction exceed a value;
• displaying a message;
• receiving biometric identification data for the user from a camera;
• creating a private key by combining the security object and the biometric identification data;
• decrypting the protected object using the private key;
• and
• executing, using the decrypted protected object, software code in a processing circuit.