| 摘要 |
A method is disclosed for carrying out a monetary transaction involving a financial institution, a consumer and a merchant. Possession of an instrumen t including alphanumeric coding is transferred from a financial institution to a consumer, the coding being unique to each card and representing a monetary amount transferred by said financial institution into an account accessible by the holder of the instrument. The consumer presents the instrument to the mercha nt in satisfaction of a debt owed by the consumer to the merchant in respect of a purchase or the like by the consumer from the merchant. Then the instrument is presented by the merchant to the financial institution with a requisition of transfer of a monetary amount from the account to the merchant. The monetary amount is then transferred from the account to the merchant by the financial institution, and the account debited accordingly. Lastly, the instrument is returned to the consumer, for use of the remaining monetary balance in the account.
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