1. A smart card having a capability to store a voice annotation with a transaction, the smart card comprising: a microphone that produces a voice annotation signal in response to transaction data generated from the transaction; memory that stores the voice annotation signal linked to its respective transaction data; a controller, coupled to the microphone and the memory, that controls smart card operation including user authorization, storage of the voice annotation signal, and storage of the respective transaction data; and an input/output connector, coupled to the controller, that provides the controller with the transaction data.