Abstract: A system for transferring user information to an institution for application purposes is provided, comprising the steps of storing a plurality of information templates corresponding to application forms, permitting access to the system by a user upon authentication, accepting a user selection of an application form, applying a template including data fields corresponding to personal information to be provided, retrieving user personal information corresponding to the data fields from a user local data storage, checking the retrieved user personal information for consistency with the data fields, populating the application form with the user personal information, providing the populated application form to the user for approval, and submitting the populated application form to the institution, wherein the personal information in the user local data storage includes multiple forms of biometric information, and wherein the user local data storage is controlled by the user.