Patent ID: 8775270

Claim:
A method for providing an online service over a network, comprising: providing a scratchcard to a user, the scratchcard comprising a concealed information area containing a scratchcard identifier and a computer-readable medium containing at least one user-completable form in an encrypted state; receiving, by a server, a request from the user to utilize the online service, the scratchcard identifier, and at least one of the user-completable forms, the form at least partially completed; authenticating, by the server, the scratchcard identifier against a list of valid identifiers; decreasing a prepaid balance associated with the scratchcard identifier; after authentication, providing, by the server, at least a portion of the at least one at least partially completed form to a service provider; and providing the online service, wherein the online service includes two-way interaction between the user and service provider over the network, the interaction being based on the at least one at least partially completed form.