1. A terminal for delivering services to a user by executing a service program and having a loading manager for managing a first loading of said program or further loadings for updating said program from a source external to said terminal, said manager, comprising: an information processor and a program memory, said program memory being adapted to store said service program and being divided into a noncertified zone NPZ and a certified zone CPZ, said certified zone having a security level higher than said noncertified zone wherein a service program loaded in the certified zone allows additional operations to be performed which are not allowed in the noncertified zone, wherein a transfer of a service program from said noncertified zone to said certified zone for enhancing said program to allow said additional operations requires authentication of a content of the service program residing in said noncertified zone, by checking that the service program includes authenticating data identifying a duly entitled authority; said processor including a command authorizing word register, a command authorizing word ECW contained in said register for defining whether loading of the service program in any zone of the program memory from a source external to the terminal is allowed; a command manager for executing commands of the processor for loading the service program in either of the certified and noncertified zones of the program memory, said command manager reading said command authorizing word before execution by the processor and allowing said execution only if authorized by said command authorizing word; and loading monitoring security means TELESEC including a set of instructions stored in the certified memory zone by which the processor loads said command authorizing word in said command authorizing word register of the processor based on predetermined rights associated with said terminal and for authenticating any service program to be transferred from the noncertified zone to the certified zone, wherein loading of a service program in program memory comprises loading the command authorizing word ECW if said word is not yet loaded, reading said word and loading the program in a requested memory zone if allowed, and if said loading is requested in a certified zone and is not allowed, said program is loaded in a noncertified zone and authenticated by said loading monitoring security means TELESEC and transferred to a certified zone if authenticated, said service program being executed in said certified zone.