Patent ID: 7010701

Claim:
A method of providing access to information relating to an authorized user of a smart card for executing a smart card transaction, said method comprising the steps of: providing at least one smart card terminal for receiving said smart card and communicatively interacting with the on-card memory of said smart card; verifying authorization for a desired application that is selected at said smart card terminal for said smart card transaction; transmitting at least an authorization code contained within said on-card memory of said smart card both through a communications network and to a network smart card server that includes a plurality of application-specific partitioned memory locations; utilizing at least one memory-economizing data pointer provided by said authorization code to point to information relating to said authorized user that is contained in at least one of said application-specific partitioned memory locations in said network smart card server; and transmitting said information through said communications network to said smart card terminal so as to provide access to said information and also economize the information storage capacity within said on-card memory of said smart card.