The standard exists for this - it's called "Model 3" and is an implementation of Account Based Ticketing. Essentially your card becomes a reference to an onlin

The standard exists for this - it's called "Model 3" and is an implementation of Account Based Ticketing. Essentially your card becomes a reference to an online account. When you tap your EMV card, it uses it as a reference to find your online account and see if you have any travel passes associated with it. There is talk of introducing it on the London Underground. The system already allows customers to associate a card with an account online to track their journey history. But nothing seems to have moved on much in the last few years.