Abstract: The invention relates to a system so arranged as to be capable of being used over the Internet. People from all over the world have the opportunity, via their computers, which are connected to the Internet, to enter a created data world/universe (E). Once they have entered the virtual world/universe, they can interact with other people or computer-generated “avatars”/figures or things. The unique feature of the invention is a financial system in which users (A) of the system can be stored digitally and can be utilized in a non-physical world/universe, i.e. a virtual world/universe. The converse of what is described above is also true, namely that users (A) can sell virtual things or services (K), which only exist in electronic or virtual form, or which can be stored digitally and can be utilized in a non-physical world/universe (D) in return for a consideration in real money (P).