A programmable memory card is adapted to hold personal information of a user and includes a security feature for verify the true holder of the card. The memory card comprises application file structure for storing and maintaining personal information of a user for one or more applications. The memory...http://www.google.com.au/patents/US6011858?utm_source=gb-gplus-sharePatent US6011858 - Memory card having a biometric template stored thereon and system for using same