Abstract: Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions pertaining to purchasing goods and services. The electronic means of payment can combine existing payment systems by making the payment systems selectable and allowing individual security features to be adjusted. The popular credit card can become far more secure when purchasing goods and services by combining the credit card with devices providing increased security, for a mobile phone, and adequate general conditions. The user of the means of payment can make payments in an individual manner according to the individual merchandise or service that he/she would like to purchase.

Abstract: A method is provided for transmitting encrypted information for registering an application program. An application program installed on a first program is control device. First application information items having at least one part-information item blocked from user access are transmitted to a second program control device. The second program control device uses coding to calculate an application value from the first application information items. The application value is transmitted to the first program control device. The first program control device uses decoding to ascertain second application information items from the application value. The first application information items and the second application information items are checked for a match when the application program starts to be executed. Prescribable functions of the application program are enabled on the basis of discrepancies resulting from the check.

Abstract: Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions pertaining to purchasing goods and services. The electronic means of payment can combine existing payment systems by making the payment systems selectable and allowing individual security features to be adjusted. The popular credit card can become far more secure when purchasing goods and services by combining the credit card with devices providing increased security, for a mobile phone, and adequate general conditions. The user of the means of payment can make payments in an individual manner according to the individual merchandise or service that he/she would like to purchase.

Abstract: A method is provided for transmitting encrypted information for registering an application program. An application program installed on a first program is control device. First application information items having at least one part-information item blocked from user access are transmitted to a second program control device. The second program control device uses coding to calculate an application value from the first application information items. The application value is transmitted to the first program control device. The first program control device uses decoding to ascertain second application information items from the application value. The first application information items and the second application information items are checked for a match when the application program starts to be executed. Prescribable functions of the application program are enabled on the basis of discrepancies resulting from the check.