This device is a hand-held intelligent docking station for the Safe Card. that provides a secure link to the internet or the SOSB Networks. The Caddy-Pilot will connect to any USB-equipped device (e.g., PC, PDA, and cell phone) via its own USB port and has an (optional) on-board memory that can securely store up to 16 GB of information. How it works is simple. The user connects their CADDY to their USB-equipped device, inserts their Safe Card into the Caddy-Pilot, and places their finger over the biometric sensor on the Safe Card. Authentication is instantaneous since the Safe Card contains its own built-in biometric recognition system. Also the CADDY.s own built-in biometric recognition system can verify its user and than can securely accept its owner.s standard credit cards. The SOSB Network receives and authenticates the encrypted codes and then allows a transaction or a sign-on to the financial institution of the user's choosing. All of this processing is accomplished in seconds and without exchanging any personal information, user-name, password or a pin numbers for verification.