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Cards containing integrated circuits, In particular telecommunications cards for use in connection with telecommunications and other cards with microprocessors (IC cards) for communication with external data processing equipment, the aforesaid cards in particular for secure data transfer and subscription management; Data processing apparatus, In particular mobile terminals; Data carriers containing recorded programs; Operating system and applications software for the aforesaid cards and data processing equipment; Computer hardware, In particular microprocessors and Integrated circuits (ICs); Hardware and software for computer and telecommunications networks; Hardware and software for the management of payment transactions on mobile data networks (mobile wallet); Computer programs for the personalisation and storage management of IC cards and mobile terminals, in particular in connection with payment transactions; Computer programs for the management, updating, modification and processing of subscriber data on a mobile data network; Computer programs for the development, management and maintenance of the aforesaid software