Abstract: Biometric enrollment and identification, including authorization and access, capability for integrated circuit chips (“ICCs”) using the multi-application operating system (“MULTOS”). The ICC of a smart device reviews biometric data to authenticate identity in order to grant or deny a user instant or real-time access to secured information. A match-on-chip (“MOC”) algorithm of the ICC performs a one-to-one correspondence for comparing a stored reference template of an individual biometric element and a live sample template.