A system, method and computer program product are disclosed for presenting information to a user. At a client, information about a user is collected. Via a network, the collected information is transmitted from the client to a location so that a user profile for the user can be generated based on the collected information. Based on the generated user profile, content is selected for the user. At the client, the content is received via the network and then subsequently presented to the user.

 
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> Method for exchanging at least one secret initial value between a processing station and a chip card

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