ELECTRONIC PAYMENT SYSTEM Russian patent published in 2019 - IPC G06Q20/20 

FIELD: data processing.

SUBSTANCE: invention relates to online payment tools using mobile device of a buyer and a cash system of the seller. Method comprises: generating a one-time unique code by a teller system of a merchant or mobile device of a customer, transmitting it to a mobile device or to a teller system of a merchant over a wireless network protocol, transmitting a unique (personal) number of the mobile device of the customer to the teller system of the merchant through the wireless network of the merchant or transmitting the unique identifier to the teller system; transmission to a payment system through a first communication channel from a teller system and through a second communication channel from a mobile device: one-time unique code, a unique number of the mobile device, a unique identifier of the teller system of the merchant and payment data through the second communication channel and approval of the transaction by the teller system of the merchant when similar sent data are matched.

EFFECT: technical result is higher security of online payment for goods and services.

10 cl, 4 dwg