This type of programming is very low and usually depends on the type and process of manufacturing their own cards. In most of the smart card operating system and card applications that are loaded into the chip in the manufacturing process and can not be changed later once the card has been manufactured.
One clear exception to this case may be the Java Cards, cards that are in the manufacturing process incorporating an operating system and a Java virtual machine specifically for this environment. Once manufactured the card, developers can implement mini-applications (applets) Java to be loaded on the card (through a process that ensures the safety of the system).
