Visa International Service Association

Visa U.s.a. Inc.

Mary L Gorden

Ayman A Hammad

Jerry F Sloan

Philippe Levy

Virginia I Simcox

Alson Lee

A system for facilitating memory and application management on a smartcard the system includes a client having a number of applications and a smartcard having specification logic allowing file structures and security and access conditions to be defined using a set of common commands. Each application has a corresponding group of data on the smartcard. An applet instance is created for each application and corresponding group of application data. At the time of instantiation, the specification logic allows an application to specify the file structure and/or to specify security and access conditions for its group of data. An application can utilize passcode and credential management so that a single passcode is used to access the smartcard regardless of whether the application utilizes the common commands to specify a file structure.

Method and system for facilitating memory and application management on a secured token

A system including a secured token having a plurality of applets. Each applet supports a plurality of commands and is capable of being instantiated to create one or more applet instances. Each applet instance is capable of supporting the same plurality of commands that is supported by the applet that creates that applet instance. The applet instances can provide different file structures or different access conditions for data on the secured token.

Smart card personalization includes a personalization preparation process prior to the personalization session at the personalization bureau. The personalization preparation process derives the derived card keys for a single or for multiple applications. The preparation process also generates issuer and card public key pairs and certificates. Master keys are used in conjunction with the personalization preparation process rather than utilizing the master keys during the remainder of the personalization process at the personalization bureau. Because the personalization preparation process does not require highly specialized, expensive machinery, it is straightforward for an issuer to derive the card keys at the issuer's location. Once the personalization preparation process is complete, the derived card keys are stored in an output file merged with other card personalization data. The output file contains records of secret and non-secret card data, each record corresponding to personalization information for a single card to be personalized. The output file is sent to the personalization bureau which process the file using standard processing modules to personalize each smart card. The preparation process and the personalization process may be performed at the same location or at different locations.

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San Rafael, CA, United States of America

Mary L Gorden