FIELD: network engineering. SUBSTANCE: method involves showing Buyer identification code to Seller as payment means saved in data carrier unit. Buyer operator concurrently forms several accounts for given Buyer. Each account has its own identification code and spent sum limit related to this account. The Buyer operator gives off the identification code carrier unit with software program for making use of these accounts. When making purchase payments, the Buyer sends the identification code via communication networks of the account that is intended to be used for paying and tells the Seller about the intention of making purchase from him. Seller operator settles transaction on Seller order through the account via the International paying card system and then the account is arrested and closed. The money rest is transferred to other Buyer accounts. EFFECT: reliable payment protection via communication networks. 1 dwg
