System for carrying out a process for the safe development of electronic financial services, containing– an electronic financial service power switching a the direction of 10 to the central control of the entire process, comprising– a user data memory device 15 for storing the data of all registered user 40, 41, of financial account data to the accounts 22, 23 of users 40, 41,– a service provider data memory device 16 for storing data of all financial services provider to trans action including access data processing systems 20, 21,– at least a first terminal 31, which is associated with a first user 41 and via a first adaptor device 12 with the electronic financial service power is connected via a direction 10,– at least a first financial account 23, which is associated with the first user 41, and in the case of a first financial services provider 44 is guided,– at least a first trans action development system 21, which is associated with the first financial services provider 44 and electronic transactions, preferably electronic credit values recorded, on the first financial account 23 of the first user 41 can be performed by..
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