FIELD: technological processes.
SUBSTANCE: invention relates to methods for conducting a transaction using a dual-use card. In the method receiving a message including: an indicia of the card and identifiers of goods; identifying a closed loop account and amount, a schedule of eligible goods, and an open loop account and amount, determining eligible goods and a purchase amount; comparing the purchase amount to the amount in the closed loop account, and if the purchase amount is less than or equal to value in the closed loop account, authorizing the transaction, upon a determination that the purchase amount is less than the amount in the closed loop account, determining if the value in the open loop account is greater than or equal to the deficit, and if so, deducting all value from the closed loop account and the deficit from the open loop account.
EFFECT: technical result is to automatize the purchase transaction.
11 cl, 7 dwg
