A mobile device of a consumer can have a mobile-based credential stored in a secure memory thereof and an associated alias. Techniques for conducting a transaction with the mobile device may involve receiving a request for the mobile-based credential from a remotely accessible server in response to a requestor device receiving the alias from the consumer. The mobile-based credential can be accessed from the secure memory and transmitted to the remotely accessible server. The mobile-based credential is then usable at the remotely accessible server in combination with a server-based credential stored thereat for obtaining payment credentials to complete the transaction.