Method for paying for goods and/or services

A method for paying for goods and/or services by an authorized user of a mobile communications unit having a SIM or eSIM, the method comprising:

• transmitting a user-related parameter set to a mobile phone provider, wherein the mobile phone pro allocated to the SIM or eSIM and is coupled by the user-related parameter set to the SIM or eSIM;
• forwarding, by the mobile phone provider after the transmitting of the user-related parameter set to the mobile phone provider, a request to a payment service provider;
• generating, by the payment service provider, a virtual payment card or a virtual payment token;
• forwarding, by the payment service provider to the mobile phone provider, the generated virtual payment card or the virtual payment token;
• and
• coupling, by the mobile phone provider, the virtual payment card or the virtual payment token to the SIM or eSIM,
• wherein the mobile communications unit is integrated in a vehicle,
• wherein the user-related parameter set is determined by a server external to the vehicle, wherein the server external to the vehicle is coupled to the vehicle of the vehicle manufacturer,
• wherein the user-related parameter set is transmitted to the mobile phone provider,
• wherein a user-specific, vehicle-related parameter set is determined by the server external to the vehicle and is transmitted to the mobile phone provider,
• wherein the mobile phone provider couples user-specific, vehicle-related parameter set to the SIM or eSIM,
• wherein, to authenticate the user when paying for goods or services, the user-related parameter set and the user-specific, vehicle-related parameter set are compared to corresponding parameter sets saved with the mobile phone provider or on the server external to the vehicle.