A federated identity, established through possession of a single sign-on token, will allow a personal wireless device (PWD) to be used in a commercial environment to purchase goods or services, access a building, access a telephone, wireless, or computer network, or in numerous other instances. The token may be obtained by the user authenticating with the PWD and the PWD authenticating with the network. When the PWD comes within range of a service provider, a session is established using a short range wireless protocol, such as Bluetooth or infrared. The session is secured using a security protocol such as SSL, and the service provider authenticates its identity to the PWD. Policy may be implemented regarding transmission of the token to the service provider. Upon receipt of the token, the service provider will validate the token with the federated identity provider, obtain identifying information, and complete the transaction.