A memory chip and embedded microprocessor (`smart memory card`) with a sputtered memory ring for additional memory capacity. The card configuration allows use with ISO 7816 compliant readers. The smart memory card has a spring bolt-hole which allows use of the smart memory card on an adaptor with compact disc and digital video disc drives. The memory chip and sputtered memory ring have sufficient capacity for high-density memory applications such as high-level encrypted security systems, biometric identification systems, and combination access systems. The processor configuration may include a wireless transceiver for 802.11 series, Bluetooth.TM. and other wireless systems.