FIELD: information technology.
SUBSTANCE: operation method of a mobile terminal device during a payment procedure comprises the following steps: selecting the payment method, sending the necessary data, providing the user with an operation identification code, the user sending the identification code via a mobile telephone to an authorisation and processing centre, receiving a MSISDN, a mobile telephone equipment identifier and an operation identifier code, wherein the MSISDN is also sent as an identification characteristic, informing the user on successful reception of the code at the mobile telephone or user computer, setting up a secure Internet connection between the user computer and a web server in order to select the payment instrument and send a personal identification number, activating a connection with a financial institution in order to authorise payment, confirming the payment operation of the user, sending data to the online store of the vendor and to the financial institution.
EFFECT: improved user identification, high security during online payments.
5 cl, 10 dwg
