FIELD: physics.
SUBSTANCE: invention relates to payment systems. Method of using user device includes first memory unit containing first transaction marker, and second memory unit containing second transaction marker, wherein first and second transaction markers are associated with account identifier for user account, wherein the method includes receiving, by the server computer, a first authorization request message, determining by the server computer that the first transaction token was used in the first transaction channel, sending the server computer an indication of the token checking, receiving, by the server computer, a second message with an authorization request, determining by the server computer that the second transaction token was used in the second transaction channel, sending the server computer indicating that the second transaction token has been checked, with the second message with the authorization request.
EFFECT: technical result consists in improvement of safety.
20 cl, 7 dwg
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