A loyalty file structure for a smart card includes any number of loyalty files preinstalled by a card manufacturer. Each loyalty file has a password, a file number, a label, an indicator of whether or not the file is currently being rented by a merchant, a length indicator, a data format indicator, and...http://www.google.com/patents/US6549912?utm_source=gb-gplus-sharePatent US6549912 - Loyalty file structure for smart card
