Some embodiments of a smart card accessible over a personal area network have been presented. In one embodiment, an apparatus includes a wireless transceiver to communicatively couple to a personal area network (PAN) to receive an authentication request via the PAN from a device. The device may include a computer. The apparatus further includes a storage device to store a digital certificate that uniquely identifies a user. An authentication module in the apparatus may authenticate the user in response to an authentication request from the device using the digital certificate, wherein the user is allowed to access the computer upon authentication.