FIELD: computing technology.
SUBSTANCE: method for processing the transaction includes providing a device access to the user's device for the transaction of a predetermined amount, and the user's device generates a cryptogram based on the predetermined amount; reception by the access device from the user's device of payment certifying data and a cryptogram; upon completion of data exchange with the user device, determining by the access device the actual amount for the transaction; generating, by the access device, an authorization request message for the transaction; and transmitting, by the access device, an authorization request message to the computer of the authorization subject.
EFFECT: reduced transaction processing time.
20 cl, 6 dwg
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