Smart apparatus for making secure transactions

A smart device for making secured transactions, said smart device comprising:

• a housing comprising a first surface and an opposing second surface;
• a processing device disposed between said first surface and said second surface, said processing device electrically associated with at least one of (a) onboard memory and (b) external memory disposed between said first surface and said second surface;
• wherein said memory is configured to store smart device owner information;
• a communication circuit at least partially disposed between said first surface and said second surface and electrically associated with said processing device and configured for transferring information;
• a power circuit electrically associated with said processing device, said memory and said communication circuit, wherein said power circuit is at least one of (a) electrically associated with a power source disposed within said housing, and (b) configured for being inductively coupled to a power source external to said housing;
• and
• wherein said processing device is configured to activate a cloning routine upon receiving a clone request over said communication circuit and wherein said cloning routine comprises transferring at least part of said smart device owner information to an external device.

A smart device for making secure financial transactions, said smart device comprising:

• a housing;
• a processing device disposed within said housing, said processing device, electrically associated with at least one of (a) onboard memory and (b) external memory, wherein said memory is configured for storing at least one of an operating system, an application program, and data;
• wherein said data includes authorized user-data comprising a number and at least one enrolment bio-sample for at least one authorized user;
• a bio-sensor mechanically associated with said housing and electrically associated with said processing device, said bio-sensor configured to sample a user biological attribute to generate a real-time bio-sample;
• a communication circuit at least partially disposed within said housing and electrically associated with said processing device and configured for transferring information between said processing device and an external device;
• a power circuit electrically associated with said processing device, said memory, said bio-sensor and said communication circuit, wherein said power circuit is at least one of (a) electrically associated with a power source disposed within said housing, and (b) configured for being inductively coupled to a power source external to said housing;
• and
• wherein said processor is configured to transfer transaction-data to said external device using said communication circuit when a user provides a real-time bio-sample that matches the enrolment bio-sample for an authorized user.