FIELD: physics, computer engineering.
SUBSTANCE: invention relates to means of settlement in trade. The system comprises: a server centre linked to server centres and partner banks of a program, cards and card reading terminals, wherein the payment unit for said cards is certificates with predetermined discounts, and an operator bank through which cash payments are made. The server centre for servicing cards with certificates credited to said cards comprises a card account database, a certificate identifier database, a database of a store of available certificates and a database of personal accounts of program participants.
EFFECT: high reliability and faster operation owing to safer settlements between partners.
2 dwg
