FIELD: information technologies.
SUBSTANCE: system comprises client user devices, connected to a payment device server, containing a purchaser data base and a seller data base, at the same time the server of the payment device has a module connected with the specified data bases for transfer of funds from the main account of the purchaser to the seller, a module of generation of an individual QR-code for each separate product or service, which corresponds to a data set, making it possible for purchasers to buy the product or service via the payment device server by the client device means, a module of automatic order generation for purchase on behalf of the purchaser during activation of the specified QR-code by the purchaser, a module of order status tracking and messages transfer to the purchaser to his or her client device, and also a module for borrowing funds for the purchaser from the creditor and a module to request additional identification data of the purchaser at external resources and their entry into the data base of purchasers.
EFFECT: automation of product or service payment, if there are no sufficient funds on the main account of the purchaser.
4 cl, 2 dwg
