A multi-factor remote user authentication card-device has innovative features that enable this one card-device itself to function and accomplish a multi-factor remote user authentication of “what you know”, “what you have”, “where you are” and “what you are”, to a network. In one embodiments of the card-device, one card-device enables two-factor authentication of “what you have” and “what you are”. In another embodiment, one card-device enables two-factor authentication of “what you know” and “what you have”. In yet another embodiment, one card-device enables three-factor authentication of “what you know”, “what you have”, and “what you are”. In yet another embodiment, one card-device enables four-factor authentication of “what you know”, “what you have”, “where you are”, and “what you are”. The authentication logic dynamically facilitates the use of multi-factor authentication so that it dynamically adjusts what factors are applicable for specific security application enabling a universal remote authentication device.