Abstract: Microprocessor-based cards use application programs contained in a non-volatile user memory (MU), under the control of an operating system in a read-only memory (MSYS). To provide flexibility and security of access to the various memory zones without using a specific rigidly fixed circuitry, it is proposed that the memory access instructions of the application programs (PG1, PG2, PG3) should be interpreted and not performed directly. The interpreter is in the read-only memory (MSYS) or in the user memory and it carries out an access instruction as follows: it explores a reserved zone (ZR) of the user memory to find out if the requested access (access for reading, writing or performance) is cleared for the requested address. It performs the instruction only if the clearance is present. The reserved zone (ZR) which contains these clearances is updated during the writing, in the user memory, of a new application program. The updating can be done only by the operating system.

Abstract: A method for loading and managing a plurality of applications in a memory of a chip card, the method including: recording a chart of applications in the memory of the chip card which associates a password and a memory space with a name for i) each of the plurality of applications and ii) at least one user application on that application; recording a chart of data tables in the memory of the chip card, the chart of data tables including a plurality of records, each of the plurality of records associating a name for each of the plurality of applications with a name for at least one data table of that application; recording a chart of rights in the memory of the chip card, the chart of rights associating for each of the plurality of applications, the name for the at least one data table thereof with i) the name for each of the plurality of applications, and user applications thereof, that are capable of using the at least one data table thereof and ii) a set of rights granted to the plurality of applications, an