METHOD APPLYING TIME-REDUCED PROCESSING OF AN APPARATUS Russian patent published in 2022 - IPC G06F21/34 

FIELD: computing technology.

SUBSTANCE: method for performing a transaction includes ensuring physical contact of the user apparatus with the access apparatus; transmitting transaction authentication data by the user apparatus to the access apparatus; receiving a message by the user apparatus from the access apparatus, informing the user apparatus of the transaction being completed, the authorisation of the transaction being denied, or the authorisation of the transaction being delayed due to the unavailability of online authorisation even if online authorisation is available; completing data exchange with the access apparatus by the user apparatus, wherein the completion of data exchange with the access apparatus includes: transferring a cryptogram by the user apparatus to the access apparatus and returning the user apparatus to the default setting or a clean state after sending said cryptogram; separating from the access apparatus, wherein the access apparatus allows the user apparatus to be separated from the access apparatus after completing data exchange with the access apparatus and before receiving said transaction authorisation response message from said computer of the subject of authorisation.

EFFECT: reduced transaction processing time.

17 cl, 6 dwg