SYSTEM, METHOD AND COMPUTER-READABLE MEDIUM FOR PERFORMING NON-CASH TRANSACTIONS Russian patent published in 2015 - IPC G06Q20/30 

FIELD: radio engineering, communication.

SUBSTANCE: method comprises the following steps: reading a transaction initiation element using an automated non-cash transaction system on a user device; extracting, by the automated non-cash transaction system, transaction data from the transaction initiation element, wherein said data contain a secure data region indicator on a transaction processing server; using the automated non-cash transaction system, adding a user device identifier to said indicator; generating a request to perform a transaction using the automated non-cash transaction system and transmitting said request to the transaction processing server via a secure data link; identifying, at the transaction processing server, a user device using said identifier in said request and extracting data from said secure region, corresponding to said indicator, sent in said request; transmitting, from the transaction processing server via a secure data link to the automated non-cash transaction system, data of the performed transaction, which contain data from the secure region of the transaction processing server; generating, by the automated non-cash transaction system, and transmitting, via a secure data link, a response to the transaction processing server containing transaction confirmation data; receiving and processing, at the transaction processing server, the response from the automated non-cash transaction system; generating a request to a bank server and transmitting said request via a secure data link; receiving and processing the request from the transaction processing server to the bank server, and sending a response to the transaction processing server, containing data on performing the transaction; transmitting, from the transaction processing server in the automated non-cash transaction system to the user device, information on the transaction and displaying the status of the transaction in the automated non-cash transaction system on the user device.

EFFECT: shorter time for performing a transaction owing to access to a secure region on a transaction processing server containing data on the transaction.

40 cl, 14 dwg