METHOD OF ELECTRONIC PAYMENTS BASED ON QR WITH SELECTION OF PAYMENT SYSTEM IN USER APPLICATION Russian patent published in 2024 - IPC G06Q20/08 

FIELD: physics.

SUBSTANCE: invention relates to a method of conducting a financial transaction using a one-time two-dimensional bar code. In the method, an electronic means of payment is emitted on a server by linking a bank account number on the side of the issuing bank with a user device with an EDS, in an application for conducting financial transactions, the user selects an electronic means of payment, from which the financial transaction will be carried out, and performs selection of the means for replenishment, after selecting the electronic means of payment, on the user device, generating a label, based on the generated label, generating a one-time two-dimensional bar code containing the generated label for conducting a financial transaction and displaying it in the graphical interface of the application, financial transaction is carried out by scanning the generated one-time two-dimensional bar code with a scanner for reading two-dimensional bar codes.

EFFECT: possibility of conducting financial transactions using a one-time two-dimensional bar code, which can be generated both in the presence of a communication channel and in the absence of a communication channel.

4 cl, 5 dwg