Abstract: The invention relates to a secured element (3) for securely and quickly processing transactions, said element being able to communicate with an external mobile device (1) and with an external billing center (6) such that transaction data (15) that is transmitted by the mobile device in order to authorize the transaction can be checked using authorization rules and parameters (8) of the billing center (6). According to the invention, the secured element (3) has a local proxy module (7) that acts on behalf of the billing center (6), wherein the current authorization rules and parameters (8) of the billing center (6) can be stored in said proxy module when communicating with the billing center (6) so that the proxy module (7) can authorize the transaction using the mobile device (1) in an autonomous manner, without a data connection to the billing center (6), and in a secured environment.