FIELD: security facilities.
SUBSTANCE: invention relates to methods for verifying a payment transaction by means of a customer's personal device. In the method, the payment transaction is verified by analyzing the signal from the customer's device, corresponding to the location of its device, connect the issuer server via an integrated network to the verification server, form the customer's location database on the verification server or on the issuer's server; transmit signals with the specified periodicity to the verification server, corresponding to the location of the customer's personal devices received from the geolocation modules, when verifying a payment transaction, the location of the buyer's device is compared to the last location stored in the customer's location database, based on the results of the comparison, the first parameter of verification of the buyer's payment transactions is formed, corresponding to the distance between the location of the buyer's device and the last stored location in the customer location database, the first parameter is the probability of unauthorized action with respect to this transaction and if the specified value is exceeded by the specified first parameter, an unauthorized action signal is automatically generated, which is transmitted to the issuer server.
EFFECT: technical result is to increase the security of the payment transaction.
8 cl, 2 dwg
