FIELD: physics, computer engineering.
SUBSTANCE: invention relates to means of making electronic payments. In the method, settlement of accounts is carried out using a payment card account and provider equipment designed to facilitate, in normal conditions, payments through electronic funds transfer from an unlimited deposit account of a client. Reception of a request to settle an account using the payment card account is also carried out through said equipment. Account settlement is facilitated by generating and sending a message from said provider to an electronic account settlement system. The message is marked with a flag indicating that it is a non-financial message relating to a card payment, and contains biller identification, a card number corresponding to the payment card account and the date of expiry of the payment card account. Versions of the system implement said method.
EFFECT: high reliability of electronic payments.
19 cl, 11 dwg
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