FIELD: sale systems, electronic mass service systems, communication equipment. SUBSTANCE: Device may be used exchange of securities, organization of payment systems and sale systems using computer networks, organization of banks and bank systems, shops, service centers, lotteries, and so on. The method involves choosing payment secret and public keys, running accumulation transactions, preparation of payment certificate basis, production and addition of payment request, generation of payment signature, checking payment solvency of certificate, adding public key into basis of payment certificate, adding data about payment receiver, payment conditions and identifier of used payment certificate into payment order, selection of secret key of account signature, linking it to open account, generation of signature of payment order of receiver, and processing data about commitment of receiver. EFFECT: protection of financial interests of each participants against breach of confidence by other partners, protection of privacy of payers and receivers of payments. 109 cl, 14 ex
