A system is described for providing certified digital photos as a form of photo identification. In an m-wallet transaction, a vendor requests photo identification from the user of a mobile station, such as a mobile telephone or smart card. In response to the request, the mobile station displays a digital image of an authorized user of the mobile station. The mobile station also displays a trust-certification indicator to indicate to the vendor that the image is authentic. The mobile station may retrieve the image of the authorized user, together with a trust-certification, from a service provider.