"Biometric security" probably refers to a fingerprint scanner. You don't need one, and it has nothing to do with the ability to enter or use passwords for anything.
A flash card reader reads flash cards such as SD cards that a digital camera might use. If you want to read those on that particular computer you'd need to purchase a separate card reader.
You can copy whatever files you want using CDs, DVDs, flash drives, external hard drives, or a network connection. You just can use flash memory cards without buying a flash card reader.