FIELD: physics; computer engineering.
SUBSTANCE: invention relates to a method of carrying out a transaction for purchasing goods or services. According to the method, a client sends a request for obtaining credit for purchasing goods or services to the credit transaction processing centre of a bank through a personal mobile communication device and communication point of the bank. If the analysis result of this request is positive, a client authorisation confirmation code is sent to the mobile communication device of the client from the credit transaction processing centre using a server at the credit centre of the bank and a server at the authorisation centre of the bank through a communication point of the bank. The salesperson then enters this code into a POS-terminal for generating a request to the server at the authorisation centre of the bank and the credit transaction centre for authorisation of the credit transaction and granting the client credit.
EFFECT: low possibility of unauthorised granting of credit while increasing efficiency of processing it, as well as increased level of automation of granting credit to clients.
9 cl, 1 dwg
