Abstract: A card replacement system for organizing personal identification and financial information eliminating the need for individuals to carry these documents. The system contains all personal identification information which can be accessed and provided when necessary. Financial information loaded into the system permits bill pay and tracks limits/balances on credit cards. The system further offers smart appliance control, vehicle control, and other options for every day purchases such as airline/movie theater tickets. Vehicle functions include remote start, and climate control as well as keyless entry.