Abstract: A method for managing a plurality of virtual wallets provided by a mobile terminal for carrying out transactions with electronic devices. The plurality of virtual wallets receives different virtual objects and manages resources available via the different virtual objects. Each virtual wallet of the plurality of virtual wallets includes a respective security element connected to the mobile terminal used for identification in a transaction and a respective wallet application for controlling transactions and providing a user interface for a user of the mobile terminal. The plurality of virtual wallets are linked and displayed by a unitary wallet application. The method includes accessing, by the unitary wallet application, a security element of a virtual wallet for a transaction via a hardware control interface supported by the mobile terminal that is universal to the respective security elements of the plurality of virtual wallets.