One neat feature of clipper cards I discovered is that they could be transferred onto a smartphone. As a stored value card, I imagine the process involves a sma

One neat feature of clipper cards I discovered is that they could be transferred onto a smartphone. As a stored value card, I imagine the process involves a smartphone reading the stored value, zeroing it, and then provide a virtualized implementation of whatever the underlying SmartCard technology is (Java Card maybe). The first time I used that feature, I instinctively thought that by adding my clipper card to my smartphone, my smartphone merely has another manifestation of the same clipper card as the original plastic card, much like a credit card but with a special device-specific card number, or like a Unix hard link. Of course I was wrong. The actual card itself was transferred.