Abstract: The process is implemented by a service provider by means of a computer system (4) for procuring a product offered by a supplier, for a customer benefiting from capital able to cover a purchase value of the product. The process comprises steps for linking (14) a savings account in which said capital is placed, to collateral in respect of financing ensured by the service provider, linking (25) the financing to an option of future redemption of said offered product and to a periodic charging schedule in respect of said customer, and triggering (24) a payment of the purchase value by means of the financing so as to procure the offered product.