A method for accessing a portable memory data carrier, having a controller for managing a standardized memory element and an additional module, wherein application data are produced that are intended for the additional module and contain an access thereto, characterized by the following steps of: - generating routing information containing an identifier which can be recognized by the controller, - combining the routing information and the application data to form a data stream, - embedding the data stream in at least one data block in accordance with a transmission protocol provided for accessing the memory element, - wherein, if the amount of application data is greater than a data block in accordance with the transmission protocol provided for the access to the memory element, the application data are divided into several partial data blocks, each partial data block is combined with routing information to form a data stream, and each data stream is embedded in a data block, so that the application data in this case are present in several data blocks, - allocating the data block or data blocks to an access command containing an address of the memory element and a specification of the access (open, write, read), - transmitting the one or several data block(s) with the access command to the memory data carrier in the transmission protocol coordinated with the memory element, - determining whether a data block that has come in on the portable memory data carrier contains routing information, - forwarding the application data contained in a data block to the additional module if the data block contains routing information, - executing the access specified in the access command at the transferred address in the memory element if the data block does not contain routing information. - generating routing information containing an identifier which can be recognized by the controller, - combining the routing information and the application data to form a data stream, - embedding the data stream in at least one data block in accordance with a transmission protocol provided for accessing the memory element, - wherein, if the amount of application data is greater than a data block in accordance with the transmission protocol provided for the access to the memory element, the application data are divided into several partial data blocks, each partial data block is combined with routing information to form a data stream, and each data stream is embedded in a data block, so that the application data in this case are present in several data blocks, - allocating the data block or data blocks to an access command containing an address of the memory element and a specification of the access (open, write, read), - transmitting the one or several data block(s) with the access command to the memory data carrier in the transmission protocol coordinated with the memory element, - determining whether a data block that has come in on the portable memory data carrier contains routing information, - forwarding the application data contained in a data block to the additional module if the data block contains routing information, - executing the access specified in the access command at the transferred address in the memory element if the data block does not contain routing information.