System and method for managing application data of contactless card applications

A computer-implemented method of managing application data of different contactless card applications for a plurality of mobile communication devices, the method comprising:

• transferring, by a computer system via a telecommunications network to one of the mobile communication devices, a card emulation module, using an area access key for storing the card emulation module in a secured area of the mobile communication device, the card emulation module comprising computer program code configured to control a processor of the mobile communication device to emulate a first hardware-implemented contactless card such that the card emulation module emulates a processor and memory of the first hardware-implemented contactless card in order to emulate one or more functions of the first hardware-implemented contactless card, the one or more functions include interacting with an external card reader according to at least one of an NFC data transmission protocol or an RFID data transmission protocol and executing data transactions via a close range wireless communication interface of the mobile communication device;
• transferring by the computer system via the telecommunications network to the mobile communication device application data for at least one contactless card application for storing the application data in the card emulation module;
• and
• maintaining in the computer system a card database, storing in the card database for each of the plurality of mobile communication devices a representation of the card emulation module stored in the respective mobile communication device, the representation of the card emulation module comprising (a) the application data content of the card emulation module stored in the respective mobile communication device and (b) information related to the computer program code of the card emulation module stored in the respective mobile communication device.

A computer program product comprising a non-transient computer readable medium having stored thereon computer program code configured to control a processor of a computer system to perform:

• transferring, from the computer system via a telecommunications network to one of the mobile communication devices, a card emulation module, using an area access key for storing the card emulation module in a secured area of the mobile communication device, the card emulation module comprising computer program code configured to control a processor of a mobile communication device to emulate a first hardware-implemented contactless card such that the card emulation module emulates a processor and memory of the first hardware-implemented contactless card in order to emulate one or more functions of the first hardware-implemented contactless card, the one or more functions include interacting with an external card reader according to at least one of an NFC data transmission protocol or an RFID data transmission protocol and executing data transactions via a close range wireless communication interface of the mobile communication device;
• transferring from the computer system via the telecommunications network to the mobile communication device application data for at least one contactless card application for storing the application data in the card emulation module;
• and
• maintaining in the computer system a card database, by storing in the card database for each of the plurality of mobile communication devices a representation of the card emulation module stored in the respective mobile communication device, the representation of the card emulation module comprising (a) the application data content of the card emulation module stored in the respective mobile communication device and (b) information related to the computer program code of the card emulation module stored in the respective mobile communication device.