1. An automatically configurable smart card comprising: a generic data structure comprising user specific data located in an area of non-volatile memory reserved for generic data structures, and a smart card operating system located outside of the area of non-volatile memory reserved for generic data structures, wherein; once the smart card operating system initializes, the smart card further comprises a file system structure, the file system structure storing several objects according to the type and size of the user specific data located in the generic data structure; the smart card operating system is adapted to read the type and size of the user specific data located in the generic data structure and to create one or more objects adapted for storing the user specific data according to the read type and size of the user specific data and comprising a smart card operating system-based structure; and the smart card operating system is adapted to automatically detect the generic data structure and to migrate the user specific data from the generic data structure into the several objects stored in the file system, wherein the generic data structure comprising the user specific data is a pre-installed generic data structure configured to be installed onto the smart card prior to an initialization of the operating system and without using smart card operating system services.