A mobile communications resource manager including a smart card configured to accept and store a user's personal information suitable for use in commercial transactions (physical tap or electronically) and communications operations, a cellular radio modem, at least one non-cellular radio modem and a controller. The controller is configured for establishing a short-range wireless connection via said non-cellular modem to at least one user accessible electronic device with human interface functionality and accepting a service request from the at least one user accessible electronic device and making a modem selection by selecting either a cellular or a non-cellular connection via a modem resident in the mobile communications resource manager to provide the communications link for the service request, based on a rule resident in the mobile communications resource manager.