A programmable electronic device (10) stores a number of cipher-text software modules (14) to which access is granted after evaluating a user's token (55, 80, 82), a software-restriction class (58) for a requested software module (14), and/or a currently active access-control model (60). Access-control models (60) span a range from uncontrolled to highly restrictive. Models (60) become automatically activated and deactivated as users are added to and deleted from the device (10). A virtual internal user proxy that does not require users to provide tokens (80, 82) is used to enable access to modules (16) classified in a global software-restriction class (62) or when an uncontrolled-access-control model (68) is active. Both licensed modules (76) and unlicensed modules (18,78) may be loaded in the device (10). However, no keys are provided to enable decryption of unlicensed modules (18,78).