Importance

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Abstract

In a method for payment for services and/or goods, an apparatus with a data terminal device for reading and changing an amount value in a credit balance carrier and a security module provided with a first memory area and a second memory area is used, which is connected to the data terminal device via a communications channel. In a first transaction a usable amount is transferred from the credit balance carrier to the first memory area. During the purchase of the service and/or goods, a running cost amount for the service and/or goods, in a second transaction an unused amount is transferred from the first memory area to the credit balance carrier. In a third transaction the difference between the usable amount and the unused amount is transferred from the first memory area to the second memory area. The apparatus is provided with an inhibiting and/or enabling mechanism which only permits transactions to the credit balance carrier from the first memory area and thus, does not permit transactions to the credit balance carrier from the second memory area.

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First Claim