DATA CARRYING DEVICE AND SYSTEMS FOR USE THEREWITH

A data carrying device having a memory space (1) for storing data at a plurality of locations. The memory space includes a static area (2) residing at a fixed location; an index area residing at a first dynamically allocatable location; and an application area (4) residing at a second dynamically allocatable location. The static area (2) is configured to hold data pointing to the location of the index area (3) and the index area (3) is configured to hold data indicative of applications or programs residing within the application area (4).