1. A method for using a portable token, the method comprising: providing a portable token comprising loyalty program information to a token acceptance device, wherein the token acceptance device thereafter reads an update indicator on the portable token, the update indicator indicating if the portable token requires updating; receiving at least a portion of a backup token image from a server at the portable token if the update indicator indicates that the portable token is to be updated; and updating the portable token with at least a portion of the backup token image.