Performance data can be collected from different runtime environment subsystems of a computer system while the computer system is running a program in the runtime environment. By transferring part of the communication handling of the smart card driver to the smart card reader, a reduction in communication over the connection between the smart card reader and mobile communication device advantageously results in a more efficient transaction. The request to activate the application includes user credentials for access to user accounts including a user account with a cloud storage that stores a file for the user.