An information capturing and transaction device may be used to capture a user's biometric information which in turn may be received by a secure element such as a SIM card. SIM card-based captured biometric keys are generated based on the user's biometric information and compared with SIM card-based reference biometric keys. If these two SIM card-based keys match with one another, access to each of a plurality of applications residing on the SIM card may be permitted. The applications may be selectively activatable from the SIM card. The applications, which may include payment and voting applications, may be executed and operated from the SIM card to perform an electronic transaction on a third-party computer system such as an electronic payment system and electronic voting system.
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