A system for managing token image replacement is provided. The system includes a remote server, a token acceptance device, such as a personal computer (PC), connected to the remote server, a token, such as a phone, that can be read by the PC, and a token image server. Using application logic and rules, the remote server is able to read the token image on the token and determine if the image on the phone needs to be updated. The remote server forwards a backup token image to the PC which, in turn, writes the backup token image including transaction information to the phone. Once the backup token image is written onto the phone, subsequent interactions with the system would not initiate an update.