Chip card applications are becoming more and more numerous and various. This applies to financial and payment services, telecommunication, automation, and transport systems or network applications of all types in which chip cards will be used increasingly in the future. Easy handling, user-friendliness, and universal applicability are becoming more and more important. That is why the multifunctional JACA chip card standard was created. JAVA creates a universal software platform to “saddle up” all applications for the chip card. Advantage for the user: The user can always “load” the current application and use the new applications without having to get a new card.