Abstract: A method of purchasing goods with electronic money includes encrypting information goods, incorporating the key in merchant data, and sending encrypted signed goods to a customer. The method further includes hashing the encrypted signed data to form hashed data, forming a purchase order that includes the encrypted signed data and the hashed data, and sending the purchase order from a customer to a merchant. The method further includes forming an authorization request message by combining the purchase order with the key, and sending the authorization request message from the merchant to a bank. Key delivery and payment verification are linked. The method further includes preparing payment verification data to include the key, and sending customer payment verification data from the bank to one of a dedicated key server or a certificate server. The method is compatible with SET and proves that certified delivery is possible within the SET framework.