This example consumer uses the PHP OpenID library. It just verifies that the URL that you enter is your identity URL.
Optionally, request these PAPE policies:
http://schemas.openid.net/pape/policies/2007/06/multi-factor-physicalhttp://schemas.openid.net/pape/policies/2007/06/multi-factorhttp://schemas.openid.net/pape/policies/2007/06/phishing-resistant