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In method 1, the client who has cards, it will buy codes through application or at the central site, and later redeem for products of equivalent values in virtual stores. In method 2, the client will go to a registered commercial point (internet cafes, bookstores, restaurants, etc.), will buy codes and then will change these codes for products of equivalent values in virtual stores. With these methods will give consumers much better security in their purchases on the Internet. The online stores will not have to change anything, just include another form of payment.