A method and apparatus for secure access to secured system functions utilizing
a universal access card. The card includes a bank of tuned amplifier circuits and
tuned audio transducers to maximize audio output power from the card, such as for
telephone communications. The card includes a variety of other interfaces for the
user to communicate with a secure access central system. The card includes a keypad,
signature input pad, voice audio input, and fingerprint input, to capture data
from a user to determine whether the user is an authorized user. The user utilizes
the card to conduct a secure access authorization process with the central. After
the card and user are authenticated, the user can access certain functions of a system.