A card and reader system is provided enabling larger storage capacity and faster data transmission. The card is configured in a Smart Card or SIM card format and communicates with either standard Smart Card readers or specially configured readers capable of higher data transmission speeds. Eliminating the processor from the card and including it in the reader allows the cost of the card to be reduced. A software driver installed in existing Smart Card readers enables the additional storage capability of the card to be concealed from the reader, thereby eliminating a need to replace readers already deployed.