A METHOD OF CONDUCTING PAYMENT TRANSACTIONS BY PURCHASE OF GOODS AND SERVICES THROUGH THE INTERNET

摘要

By purchase of goods and/or services through the internet, a number of merchants are associated with a common payment communicating server installation. As means of payment a payment card acquired in advance by the user may be used, for instance a scratch-off card, with which card an individual balance stored in the server installation (2) is associated. After selection of goods and/or services, the user transfers information about the use of the credit card as well as card identification thereof, whereby, in the server installation (2), the purchase price is compared with the balance of the card, and, if the purchase price is lower than the balance, a verification of the transaction is given to the merchant, the balance being at the same time reduced by a corresponding transaction amount, which is transferred to the merchant (6).