Abstract: The invention relates to a method for exchanging messages (NAR) among the users (C, D, E, F) of at least one chat group (GR1) of a telecommunication system (SYS), according to which at least one chat message (NAR) from a mobile radio device (TE1-TE4) associated with one user (C, D, E, F) of a chat group (GR1) is transmitted to a chat service center (SER) via at least one telecommunication network (NET). Said chat service center forwards the chat message (NAR) via tie at least one telecommunication network (NET) to a mobile radio device (TE1-TE4) of at least one further user (C, D, E, F) of the chat group (GR1).

Abstract: The invention relates to the subsequent handling of forwarded calls by means of subscriber-individual, adjustable profiles. Calls for a subscriber and forwarded to a call management system (WebAMs) are subjected to subsequent handling in accordance with the call number of the terminal (TEL1) from which the call has been made. Possible subsequent handling measures include, for instance, forwarding the call to a terminal specified in the profile, sending a notification to a terminal specified in the profile and receiving and storing the call. In the case of call numbers not included in the profile, the call is handled in accordance with a default setting. In another embodiment, subscriber-individual profiles can be activated or deactivated according to a time schedule. One advantage of the invention is that it offers greater flexibility while enabling the handling of calls in line with the needs of the subscriber and user friendly modification of settings.

Abstract: The invention relates to a method for processing a payment operation via a credit card financial service provider in electronic commerce in an open network, particularly on the Internet, between a purchaser and a trader, where the credit card financial service provider transmits a transaction code which is valid for one payment operation to the purchaser at the latter's request, and the purchaser uses this transaction code instead of his credit card number when processing the payment operation with the traders.