Abstract
Multi-application smart cards enable a user to have multiple applications on her smart card. The growing trend of services convergence fuelled by the Near Field Communication and smartphones has made multi-application smart cards a tangible reality. In such an environment, cardholders might have number of applications on their smart cards and in case they lose the smart card, they would lose all of the applications. Currently, the recovery of a smart card based service might take from a day to a week at best, during which time the service provider might lose on business from the user because she is not able to access the respective services. The proposed framework in this paper enables a user to acquire a new smart card as she desires and then migrate/restore all of her applications onto it - facilitating her to recover from her lost digital wallet in a secure, efficient, seamless and ubiquitous manner.
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