Electronic communication systems for employing identification credentials comprised of radio frequency identification (RFID) cards, tags, labels, keyfobs, near field communication (NFC) capable smart phones and NFC capable mobile phones, and readers and writers for radio frequency identification cards, tags, labels, keyfobs, and NFC capable smart phones and NFC capable mobile phones for security, identification, physical state and financial applications, namely, physical access control to secured areas, personnel time and attendance, identity credentialing, computer log-on and network access, digital cash transactions, access authorization to office equipment and manufacturing machinery, facility lighting and HVAC control and billing, equipment and material check-out, security patrol monitoring, participation in loyalty and membership programs, and public transit passes; Contactless Smart Card electronic reader/enroller with integrated LCD/Keypad and biometric fingerprint authentication sold as a unit; Contactless Smart Card credential electronic reader/enroller with integrated LCD/Keypad and biometric fingerprint authentication sold as a unit capable of encrypted communication with radio frequency credentials and interconnected panels and hosts; Readers for radio frequency identification credentials and magnetic stripe credentials; Readers for encrypted communications with high frequency identification credentials and for encrypted communications with interconnected panels and hosts