I don't know if anyone else has posted this information anywhere on this forum but I have located the activation files for PSN games. They are located in /dev_hdd0/home/USERFOLDER/exdataSponsored Links
USERFOLDER could be different for you, my first user is 00000003, user 2 is 00000004 etc.
If you just have one user created on your ps3 then you should only have one folder inside the /home folder. I have 8 users so i have 8 folders.
I backed up my activation files, deleted the Frogger Returns activation .rif file then tried loading game & it asked me to go on PSN & renew license. Uploaded the .rif file back to my ps3 & then the game worked again.
Now that its known where the activation is stored, maybe someone with some skills can figure out how to get RETAIL psn games to load up.
I am willing to share my activation files with a reputable member of the PS3NEWS forums, as long as its used for further advancement & not for personal gain. I am 100% sure that no PSN Login info is contained in the activation files so i am not worried about my PSN Account being hacked. However, that doesn't mean that Sony can't detect shared activation files & possibly ban anyone using shared activation files.