FIELD: bank transaction systems, service systems. SUBSTANCE: device has computer, chip smart card, device for information transmission, encode-decoder, key generator, writing device, key storage, information access authorization system, user identification system, input-output unit, locking unit. Device provides possibility of user identification, local access to system resources, encoding and decoding data during transactions. Data are encoded and decoded using keys which are generated in periods. Information is stored on card and read from it using contactless method. EFFECT: increased reliability, increased functional capabilities, increased field of application. 1 dwg
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