Abstract: A multiple-application systematic framework for an IC card comprising a card issuer device 10, a service provider device 20 and a user terminal device 30, in which the three devices are interconnected by a first communications means. The card issuer device 10 comprises a card-issuing module 100 and a service provider management module 101. The service provider device 20 comprises a service module 200. The user terminal device 30 comprises an IC card 300 supplied by a card issuer and a communications device 301 comprising an application control module 3010, the IC card 300 comprises an authentication and security management module 3000 and a multi-application data storage area 3001. The communications device 301 and the IC card 300 communicate through a second communications means.