This is going to be a great Java Card platform. JECF and Java Card interoperate now. By the way, ISO 7816 is the International Standards Organization standard on smartcard physical, electrical, and low-level software communication. Java Card builds on this to provide a programming API on the card. You also have to severely restrict how deep the call stack is going to become.
Cards have a life cycle.
For example, as they are used, new applets are added to the card. VisaCash, MasterCard's Mondex, and Proton are the most common examples. VisaCash and Mondex are already available in the US in NYC's upper west side. Feel free to address questions to either Ted or Arthur. There is a wide range of applications that Java Cards are uniquely qualified to handle.