FIELD: information technology.
SUBSTANCE: disclosed is a method for conducting safe financial operations on a payment terminal of a self-service automated payment system by changing the PIN code system of the bank card after each use thereof. The ATM issues the user a new PIN code generated by the system and printed inside a closed PIN envelope which preserves confidentiality of the obtained data. The generated package of envelopes with pre-printed codes, data of which are stored in the system, can be loaded into the ATM. When issuing another envelope, the system assigns the code resident therein to the bank card. The one-time PIN code does not require storage and so can have more characters, each improving security by an order.
EFFECT: safer bank operations, fewer cases of falsification of bank cards.
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