FIELD: physics, computer engineering.
SUBSTANCE: invention relates to means of processing payments using bank cards. The method includes inputting card data on the web page of a retail and service enterprise, which are sent in an online payment request to the hardware and software system of an acquirer, which initiates a USSD session with the mobile telephone of the payment card holder, wherein the telephone number is tied to the payment card number entered by the payment card holder when registering the payment card in said system of the acquirer. A request is sent to the mobile telephone, which includes a text message on confirmation of the payment card identifier in the form of its serial number and the intention to pay the sum entered by the payment card holder or decline payment by pressing a button of the keypad of the mobile telephone. Said button is selected while registering the payment card in said system of the acquirer, wherein upon obtaining the payment card identifier and confirming the intention, payment is made with said parameters.
EFFECT: safer payment operations using bank cards in remote access mode.
5 cl, 2 dwg
