A system for facilitating secure exchange of information between a user device and a server, the system comprising: a first processor; and a first memory in electrical communication with the first processor, the first memory comprising instructions which, when executed by a processing unit comprising at least one of the first processor and/or a second processor, and in electronic communication with a memory module comprising at least one of the first memory and/or a second memory, program the processing unit to operate as a data-collection module at a user device, and to: (a) generate a secured object comprising: an information object comprising: (A) a type header specifying at least one information type, information of each specified type being used for user authentication, and (B) information of the at least one type that is collected by the data-collection module and that is to be transmitted to a server; a header object comprising at least one of an anti-replay header and/or an anti-tamper header; and an integrity object comprising a signature associated with the information object; and (b) transmit, via a client app associated with the data-collection module, the secured object to the server. a first processor; and a first memory in electrical communication with the first processor, the first memory comprising instructions which, when executed by a processing unit comprising at least one of the first processor and/or a second processor, and in electronic communication with a memory module comprising at least one of the first memory and/or a second memory, program the processing unit to operate as a data-collection module at a user device, and to: (a) generate a secured object comprising: an information object comprising: (A) a type header specifying at least one information type, information of each specified type being used for user authentication, and (B) information of the at least one type that is collected by the data-collection module and that is to be transmitted to a server; a header object comprising at least one of an anti-replay header and/or an anti-tamper header; and an integrity object comprising a signature associated with the information object; and (b) transmit, via a client app associated with the data-collection module, the secured object to the server. (a) generate a secured object comprising: an information object comprising: (A) a type header specifying at least one information type, information of each specified type being used for user authentication, and (B) information of the at least one type that is collected by the data-collection module and that is to be transmitted to a server; a header object comprising at least one of an anti-replay header and/or an anti-tamper header; and an integrity object comprising a signature associated with the information object; and an information object comprising: (A) a type header specifying at least one information type, information of each specified type being used for user authentication, and (B) information of the at least one type that is collected by the data-collection module and that is to be transmitted to a server; a header object comprising at least one of an anti-replay header and/or an anti-tamper header; and an integrity object comprising a signature associated with the information object; and (b) transmit, via a client app associated with the data-collection module, the secured object to the server. <EOS>