Systems and methods are described that provide a new type of application load unit for use in the secure loading of applications and/or data onto integrated circuit cards or smart cards. Plaintext key transformation units can be created for each of a plurality of smart cards that are to be loaded with...http://www.google.co.uk/patents/US7523495?utm_source=gb-gplus-sharePatent US7523495 - Methods and systems for IC card application loading