方法能够借由不对称加密及解密算法在表(1)的集成电路中进程化银行数据。方法包括以下步骤：从可携式对象将集成电路的公共密钥(KpubIC)及数码凭证(CertIC)发送到银行(20)，数码凭证(CertIC)系由认证机构依据认证机构的私用密钥及集成电路公共密钥所产生，借由认证机构的公共密钥来查验银行中之数码凭证，及若数码凭证有效，则将可携式对象的所有人个人化之加密的机密数据从银行发送到可携式对象，以及利用集成电路的私用密钥来解密可携式对象的特殊应用集成电路所接收之加密的数据，以存储可携式对象的所有人个人化之解密的机密数据。

The method enables banking data to be programmed in an integrated circuit of a watch (1) by an asymmetric encryption and decryption algorithm. The method includes the steps of: - transmitting a public key (KpubIC) of the integrated circuit and a digital certificate (CertIC) generated by a certification authority on the basis of a private key of the certification authority and of the integrated circuit public key, from the portable object to a bank (20), - verifying the digital certificate in the bank by a public key of the authority, and if the digital certificate is validated, - transmitting encrypted confidential data personalized to an owner of the portable object from the bank to the portable object, and - decrypting the encrypted data received by the application-specific integrated circuit of the portable object by means of a private key of the integrated circuit, to store the decrypted confidential data personalized to the portable object owner.