FIELD: online transactions.
SUBSTANCE: method for conducting an online transaction includes providing a transaction manager. Single use transaction request identification is generated, transaction manager compares transaction request identification to banking information of registered user. Registered user is provided with transaction request identification, registered user requests purchase of product or service from a merchant, where purchase requests includes providing transaction request identification to the merchant. The merchant dispatches a request to transaction manager for payment by money transfer from user to merchant, where payment request includes identification of transaction request and cost; check by transaction manager of trustworthiness of transaction request identification; and, if transaction request information is trustworthy, request for electronic transfer of money is dispatched to financial institution to transfer a sum of money from user account to another account; it is checked, whether sufficient sum of money is available on banking account of user, and, if sufficient amount is available, the financial institution conducts the transfer according to banking information; and transaction manager receives confirmation about transaction from financial institution and dispatches a confirmation to the merchant.
EFFECT: increased efficiency.
5 cl, 16 dwg
