FIELD: processes automation devices.
SUBSTANCE: invention relates to a method for conducting transactions with a preliminary indexation of savings in the payment system. In the method of conducting payment transactions between the electronic purses of the sender and the recipient, represented by records in the database of the payment system, where each entry contains the value of the cash value of the purse savings, while calculating and using the standard cost of goods, services, payment transactions and savings of the purse, for which they determine the set of goods and services, called a basket, calculate the cash value of one basket, which equates to a standard cost unit, and the value of the standard value of goods, services, payment transactions and wallets savings are calculated by dividing the cash value of goods, services, payment transactions and savings by the cash value of one basket, the value of the standard value of savings is calculated and stored in the wallet record; when the cash value of the basket changes, the value of the standard value of savings is extracted from the record and the standard cost of savings is multiplied by the cash value of the basket, and the result of the multiplication is stored in the record as the new value of the monetary value of savings.
EFFECT: technical result consists in automating payment transactions.
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