The demand for multi-application smart card platform has been increasing in various business sectors recently. When it comes to the actual implementation of the platform, however, network-based dynamic downloading in a CI (Card Issuer)-SP (Service Provider) separated environment has not made much progress. This paper proposes our multi-application smart card platform that uses licensing and policy management technologies to enable CI and SP to reflect their own business policy flexibly via network. It also describes a prototype implementation, and early evaluation from the point of business sector as well as the application download performance. With these evaluations, we will show the proposed technology is applicable to various business domains and it can be of practical use.
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