K2h,
Kevin from intelliPaper here.
You bring up some good assumptions.
SwivelCard does not allow the content of the chip to be changed. It is read only, linking to a customer specified online experience.
Customized and personalized static content is offered on other intelliPaper products.
Question for you: How valuable would it be if I could coax the USB chip to act as a HID/keyboard, instead of a mass storage device? It could then hotkey into the browser, type a url, and simplify the customer experience even further...