The personalisation of plastic cards with processor chips requires extensive knowledge of the underlying operating systems and applications. Many applications of processor chips on plastic cards are used in the security industry such as in the areas of banking and sovereign documents (e-passport book, identity card, driving licence, etc.). Here, cryptographic algorithms of a high security level are used in personalisation, which often also have to interact with hardware security modules. Basically, the requirements are moving towards increasingly complex multi-application cards, which require a correspondingly modular and flexible software solution for the personalisation and issuing of smart card products.