The card memory includes an allocation table (RF), containing the addresses of different applications, which forms a the top of a repertoire (GD) and file (GF) tree. The allocation table is described as a function of repertoire numbers contained in the latter. Each repertoire is described as a function of file numbers contained in the latter. Each file is described as a function of the data length contained in the latter, on one or several memory blocks chained together. The system is of the type which has a number of card (1) terminals. Each card has a memory (10) containing a matrix of n sectors (12) with p memory blocks (13) and a block access controller (11). The card memory is managed by the terminals (2) microprocessor (21) via the block access controller. Preferably the data raster defining the allocation table essentially includes the implantation addresses of the applications, the type of application support, a file or repertoire, and its identifier.
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