An integrated circuit card operation management system and method are provided. In one example of the system, a collator system is provided for receiving a user request to determine whether the application program can be loaded, for acquiring a card policy from a card issue management system, and for acquiring an application program policy from a service provider management system. The collator system requests card related information of the card issue management system and requests application program related information of the service provider management system. The collator system specifies a definition format. The card issue management system and the service provider management system extract requested information from existent information, convert the requested information according to the specified definition format, and transmit the converted information to the collator system. Using the acquired policies and the acquired profiles, the collator system determines whether the application program can be loaded.