A smart card is disclosed which includes a mass storage memory for storing biometric information of a user and private data. A radio is used as an interface to the card. When the user of the card wishes to invoke an application for the private data, biometric information about the user is provided to a device in communication with the card, enabling the card to authenticate the user as an authorized user of the private data, and in response to that authentication provide the data to the application in a manner that maintains privacy and integrity of data.