Dynamic transaction card protected by multi-factor authentication

1. A dynamic transaction card, comprising:

an outer surface;

a sensor comprising a first material to enable the outer surface to act as the sensor;

a display disposed on the outer surface and in communication with the sensor, the display comprising a plurality of light-emitting diodes (LEDs);

a secure payment chip comprising a plurality of contact points accessible from the outer surface;

a passive tag stored in the secure payment chip, the passive tag comprising:

a unique identifier associated with a user; and

one or more log-in credentials for the user;

an antenna; and

a microcontroller controlling a dynamic transaction card application, wherein the application causes the dynamic transaction card to:

receive, at the antenna, a request from a user device to authenticate the user of the user device, wherein the user has logged in to the user device using the one or more log-in credentials;

create, with the antenna, a wireless connection between the dynamic transaction card and the user device;

evaluate, with the sensor, the wireless connection between the dynamic transaction card and the user device,

display, on the display, an alert indicative of the wireless connection;

compare, with the microcontroller, the one or more log-in credentials received from the user device to the one or more log-in credentials stored in the passive tag; and

transmit, with the antenna, the unique identifier to the user device.

2. The dynamic transaction card of claim 1 , wherein the passive tag further comprises a preloaded encryption key configured to encrypt data.

3. The dynamic transaction card of claim 1 , wherein the application further causes the dynamic transaction card to:

receive data from a transaction system for a user purchase; and

transmit, to the transaction system, a user identification and the one or more log-in credentials;

wherein the unique identifier associated with the user is used to complete the user purchase.

4. The dynamic transaction card of claim 1 , wherein the sensor includes one or more of: a capacitive touch sensor or a piezoelectric sensor.

5. A dynamic transaction card, comprising:

a microcontroller;

a passive tag comprising:

a unique identifier associated with a user; and

one or more log-in credentials for the user;

a secure payment chip storing the passive tag;

an antenna in communication with the secure payment chip; and

a dynamic transaction card application that, when executed, causes the dynamic transaction card to:

receive, at the antenna, a request from a user device to authenticate the user of the user device, wherein the user has logged in to the user device using the one or more log-in credentials;

create, with the antenna, a wireless connection between the dynamic transaction card and the user device;

compare, at the microcontroller, the one or more log-in credentials received from the user device to the one or more log-in credentials in the passive tag; and

transmit, from the antenna, the unique identifier associated with the user to the user device.

6. The dynamic transaction card of claim 5 , further comprising:

a sensor configured to evaluate the wireless connection between the dynamic transaction card and the user device.

7. The dynamic transaction card of claim 5 , wherein the dynamic transaction card application further causes the dynamic transaction card to:

receive, at the antenna, data associated with a user purchase on the user device, wherein the unique identifier associated with the user is used to complete the user purchase.

8. The dynamic transaction card of claim 5 , wherein the passive tag further comprises:

log-in information for the user and characteristics of the dynamic transaction card and the user device.

9. The dynamic transaction card of claim 5 , wherein the passive tag further comprises a preloaded encryption key configured to encrypt data.

10. The dynamic transaction card of claim 5 , further comprising:

a dynamic display comprising one or more light-emitting diodes (LEDs), the dynamic display configured to display data received by the antenna.

11. The dynamic transaction card of claim 10 , wherein the dynamic transaction card application further causes the dynamic transaction card to:

display an alert responsive to receiving the request, wherein the alert is indicative of a wireless connection being created between the user device and the dynamic transaction card.

12. The dynamic transaction card of claim 5 , wherein the dynamic transaction card application further causes the dynamic transaction card to:

receive, from a transaction system, data for a user purchase; and

transmit, to the transaction system, a user identification and the one or more log-in credentials;

wherein the unique identifier associated with the user is used to complete the user purchase.

13. A dynamic transaction card, comprising:

a microcontroller; and

an application processor storing instructions that, when executed by the microcontroller, cause the dynamic transaction card to:

receive a request from a user device to authenticate a user of the user device, the user logged in to the user device using one or more log-in credentials;

create a wireless connection between the dynamic transaction card and the user device;

compare the one or more log-in credentials to one or more stored log-in credentials in a passive tag, the passive tag comprising a unique identifier associated with the user and the one or more stored log-in credentials for the user,

wherein the one or more stored log-in credentials are obtained from an account provider system; and

transmit the unique identifier associated with the user to the user device.

14. The dynamic transaction card of claim 13 , wherein the instructions further cause the dynamic transaction card to:

evaluate, with a sensor, the wireless connection between the dynamic transaction card and the user device.

15. The dynamic transaction card of claim 13 , wherein the instructions further cause the dynamic transaction card to:

receive data from the user device indicative of a user purchase, wherein the unique identifier associated with the user is used to complete the user purchase.

16. The dynamic transaction card of claim 13 , wherein the passive tag further comprises:

log-in information for the user and characteristics of the dynamic transaction card and the user device.

17. The dynamic transaction card of claim 13 , wherein the passive tag further comprises a preloaded encryption key configured to encrypt data.

18. The dynamic transaction card of claim 13 , further comprising:

a dynamic display comprising one or more light-emitting diodes (LEDs), the dynamic display configured to display data received by an antenna of the dynamic transaction card.

19. The dynamic transaction card of claim 18 , wherein:

the display is further configured to display an alert responsive to receiving the request; and

the alert is indicative of a wireless connection being created to the user device.

20. The dynamic transaction card of claim 13 , wherein the instructions further cause the dynamic transaction card to:

receive data from a transaction system for a user purchase; and

transmit, to the transaction system, a user identification and the one or more log-in credentials;

wherein the unique identifier associated with the user is used to complete the user purchase.