RU2630166C1 - System, method and device for implementation of online payments with use of payment cards - Google Patents

Abstract

FIELD: information technology.

SUBSTANCE: system contains: a management server, a mobile user device with an installed EC application, configured to: add, store and provide on demand the user's means of payment; automatic receipt of transaction confirmation data; initiating a procedure for secure data transfer of payment means and transaction confirmation data to the management server; and a web browser installed on the user's mobile device or on a calculating device containing a software module providing: activation of the automatic completion of the mentioned payment form on the seller's web resource and the function of automatic completion the transaction confirmation form on the bank issuer's web resource. The method describes the operation of the system.

EFFECT: increase the speed of online transactions with the user's mobile device.

21 cl, 8 dwg

Description

FIELD OF TECHNOLOGY

The claimed invention relates to data processing tools used in electronic payment systems on the Internet, in particular to a system, method and device for online transactions.

BACKGROUND

A number of solutions are known from the prior art that are used in electronic payment schemes using an application installed on a user's device, for example, a mobile phone or tablet, which acts as an electronic wallet (EC) and stores information on payment methods.

The known EC system (US 20100114731, Kingston et al., 05/06/2010), which allows you to control the means of payment of the user using the graphical interface implemented by the EC on the user's device. Using the mentioned interface, you can select and pay electronic bills.

A known method of detecting a payment electronic form on the seller’s website, which can be paid using EC (US 20040122742, Nokia Corporation, 06.24.2004). This method consists in expanding the user interface of the web browser using an add-on that allows you to launch the payment application EC on the data entry page of the payment tool on the seller’s website.

The closest analogue of the claimed invention is a method of using EC (US 20090234751, Chan et al., September 17, 2009), which works in conjunction with a plug-in (module) of a web browser that allows you to pay for an electronic payment form on the seller’s website using the EC application installed on the user's mobile device by selecting the necessary means of payment and automatically transfer this information from the EC to the web browser plug-in.

The disadvantages of the known solutions are the lack of establishing a secure data transfer channel between the EC application and the web browser plug-in, as well as the need for an additional step of authentication of the online transaction performed on the issuer's bank resource, which consists in manually entering the verified information transmitted to the user's mobile device.

SUMMARY OF THE INVENTION

The objective of the claimed invention is to create a simple and effective way to carry out online transactions, devoid of the above disadvantages.

The technical result is to increase the speed of online transactions using a user's mobile device, by automatically filling out a payment form on the seller’s and issuer's bank’s web resources.

In a first preferred embodiment of the claimed invention, an online transaction system is provided comprising a management server, a user’s mobile device with an installed EC application and a web browser,

EC application on the user's device is configured to:

- adding, storing and providing on request payment means of the user;

- automatic receipt of transaction confirmation data;

- initiating the procedure for secure transfer of payment data and transaction confirmation data to the management server;

the web browser contains a software module that is configured to:

- activate the function of automatic completion of the said payment form on the seller’s web resource;

- activate the function of automatically filling out a transaction confirmation form on the issuer's bank's web resource;

- send a request to the management server containing data for the transaction, in response to the initiation of the online payment procedure;

the management server is configured to:

- establish a secure data transfer session with the EC application and the web browser software module;

- in response to receiving a request for a transaction from the said web browser module, generate a request for a choice of payment medium to be transferred to the user device’s EC application;

- receive payment medium data and transaction confirmation data in response to a user choice using the EC application;

- in response to receiving payment instrument data, generate the first instruction for filling out a payment form on the seller’s web resource containing the payment instrument data;

- transfer the aforementioned first instruction to the web browser software module to activate the function of automatically filling out the payment form on the seller’s web resource;

- in response to the automatic completion of the payment form on the seller’s web resource, generate a second instruction for filling out the transaction confirmation form on the issuer's bank’s web resource;

- transfer the mentioned second instruction to the web browser software module to activate the function of automatically filling out the transaction confirmation form on the issuer's bank web resource;

- transfer the status of the transaction to the EC application.

In a particular embodiment, the payment means are debit cards, credit cards, or combinations thereof.

In another particular embodiment, the secure exchange of data between the EC application of the user device, the web browser software module and the control server is carried out via a wireless data transmission channel.

In another particular embodiment, the instruction for filling out the payment form is saved as a template in the database of the management server.

In another particular embodiment, the payment instrument data includes at least the asset identification number (PAN), the asset holder data, the expiration date of the asset, and the verification code (CVN).

In another particular embodiment, the transaction confirmation data is two-factor verification data.

In another particular embodiment, the EC application receives two-factor verification data by automatically scanning incoming messages received by the user device.

In another particular embodiment, the transaction confirmation data is a digital code generated using 3D-secure, MCC, J / Secure or SafeKey technology.

In a second preferred embodiment of the claimed invention, a method for online transactions on a seller’s web resource using an EC installed on a user’s device, comprising the steps of:

- enter data into the EC memory containing information about the user's means of payment;

- receive the data of the payment form on the seller’s web resource, the data containing a number of fields for filling out payment instrument information;

- initiate the transaction using the web browser software module that displays the seller’s web resource, and the said module generates a request containing data about the seller’s web resource and sends it to the remote control server;

- form a request for confirmation of the payment method using the remote server in response to the received request from the web browser module, which is sent to the EC application on the user's device;

- carry out with the help of EC the choice of means of payment for the transaction in response to a request, and transmit information about the means of payment to the management server;

- in response to the received data about the means of payment, the server generates the first instruction for filling out the payment form and transferring it to the web browser software module, the instruction containing the payment instrument data selected using the EC;

- fill out the payment form of the seller’s web resource in response to the first instruction received using the web browser software module;

- they make the transition to the issuer's bank’s web resource in response to filling out a payment form on the seller’s web resource, which generates a transaction confirmation form and generates a transaction confirmation code with its subsequent transfer to the user's device;

- receive a transaction confirmation code on the user's device using the EC application and transfer it to the management server;

- receive the said transaction confirmation code on the control server, form a second instruction on its basis for filling out the transaction confirmation form on the issuer's bank’s web resource, and transfer the second instruction to the web browser program module;

- they automatically fill out the transaction confirmation form on the issuer's bank’s web resource using the web browser software module;

- transmit the status of the transaction in the application EC.

In one particular implementation, the transaction confirmation code is a code generated using 3D-secure, MCC, J / Secure or SafeKey technology.

In another particular embodiment, the first instruction is a completed payment form template for a seller’s web resource.

In another particular embodiment, a template is created by analyzing the markup of a seller’s web resource.

In another particular embodiment, the designations of the information input fields contained in said form are allocated from the markup.

In another particular embodiment, the receipt of a transaction confirmation code using an EC includes the automatic analysis of received electronic messages by the user device.

In another particular embodiment, the analysis of messages is carried out for a period of time not exceeding the set value T.

In a third preferred embodiment of the invention, an online transaction device is provided comprising data display means, information input / output means, at least one processor and at least one memory that contains machine-readable instructions for generating web-based graphical user interface browser with the appropriate software module for automatically filling out payment forms for online transactions, and the above-mentioned commands, when executed, are at least her least one processor, implement the steps of:

- carry out the activation of the software module for automatically filling out the payment form on the seller’s web resource in response to the discovery of the said form on the said resource;

- carry out the generation of a request to the management server to provide the payment tool data to said software module of the web browser to fill out said payment form;

- carry out the receipt by the software module of the web browser of the first instruction containing the data of the means of payment from the control server according to the data of the means of payment selected by the user using the mobile application EC;

- carry out automatic completion of the said payment form on the seller’s web resource;

- carry out the transaction by activating the confirmation of the entered data of the payment form;

- carry out the determination of the transaction confirmation form;

- a request is made to the management server to provide data to the said web browser software module to fill out the said transaction confirmation form;

- receive the second instruction by the web browser software module to automatically fill out the transaction confirmation form based on the transaction confirmation data received from the EC mobile application;

- carry out automatic completion of the said transaction confirmation form;

- transmit data on the status of the transaction in the mobile application EC.

In one particular embodiment, the transaction confirmation data is a digital code.

In another particular embodiment, the code is generated using 3D-secure, MCC, J / Secure or SafeKey technology.

In another particular embodiment, the first instruction is stored on the management server as a template for the corresponding seller’s web resource.

In another particular embodiment, the completion of the payment form and transaction confirmation form is accompanied by an animated filling of the fields of the said forms.

In another particular embodiment, data is exchanged between the EC application and the web browser module via a secure data channel.

BRIEF DESCRIPTION OF THE DRAWINGS

In FIG. 1 - FIG. 2 presents a view of the claimed online transaction system.

In FIG. 3 - FIG. 4 shows an example of filling out a payment form.

In FIG. 5 shows an example of an EC application with various payment methods.

In FIG. 6 - FIG. 7 is a flowchart of steps for performing an online transaction method.

In FIG. Figure 8 shows an example of the interaction of system elements in the process of confirming an online transaction.

DETAILED DESCRIPTION OF THE INVENTION

In FIG. 1 is a perspective view of the claimed online transaction system 100. In general, the system 100 includes a user device 109 with an EC application 102 installed, a control server 107 comprising (or connected via a data network) data storage 108, and electronic computing devices 110 comprising a web browser with software module 105, providing the process of automatic completion of payment forms.

The device 109 may be a mobile phone, tablet, personal computer or laptop. Device 109 generally comprises components such as: one or more processors, one or more memory means, interfaces and input / output devices, and data transmission means, in particular over the Internet.

Application EC 102 is installed in the memory of device 109 and provides control of payment methods 101, which may be: payment cards (debit, credit), payment accounts, coupons, virtual cards, discount cards, etc.

Means of payment 101 for use in the application of EC 102 must have information identifying it, for example, PAN number of the payment card, name and surname of the card holder, expiration date of the payment instrument, authentication code (CVN, CVV2, etc.) or other information , which can be used to fill out payment form 210 on the seller’s web resource (website). Information about the means of payment 101 recorded in the memory of the device 109 is stored in encrypted form in a specialized database 103 of the application EC 102.

The exchange of data between a database 103 that stores information about means of payment 101 on the device 109 and a web browser module 105 that automatically completes payment forms 210 on the resources of sellers of goods and services on the Internet is performed through a secure data channel 104 using, for example SSL encryption technology.

The data warehouse 108 contains information received by the manager of the servers 107, in particular the template database for filling out payment forms and transaction confirmation forms.

In FIG. 2 shows an example of a system 100 comprising a plurality of devices 109 users with installed EC applications 102, as well as a plurality of devices 110 displaying web browsers 111. Several web browsers 111 can be installed on one device 110 (Safari, Opera, Firefox, IE , Chrome, etc.), in this case, each web browser contains a corresponding software module 105, each of which carries out its own unique request for providing these payment methods 101 when filling out payment form 210 on the seller’s web resource. It should be noted that the device 110 can be used in a particular case. The web browser module 105 may be implemented on the device 109.

Each EK 102 mobile application can support multiple sessions simultaneously with web browser modules 105 installed on multiple browsers. Information about current active sessions can be viewed by the user in the interface of the EC 102 mobile application. Any session can be interrupted by force at the initiative of the user in the interface of the EC 102 application. To restore the interrupted session, it is necessary to go through the installation process again. Web browser module 105 refers to a plug-in or plug-in that is installed in conjunction with a web browser application.

A communication session (data transfer) between the modules 105 of the web browser 111 and the data of the payment means 101 stored in the respective applications of the EC 102 is carried out through a secure data channel 104. The data channel 104 provides an authentication mechanism for establishing a connection, and also provides data encryption transmitted between the parties (mobile application EC 102, the extension for the web browser 105 and the control server 107. The channel 104 data may be a wired communication channel with access to the Internet, For the wireless channel, for example, GSM, GPRS or Wi-Fi.

In FIG. 3 illustrates a web resource 200, for example, a web page on a merchant’s website, containing a display of payment form 210 for filling out during a transaction. In the general case, form 210 contains a set of fields 211 that contain their representation in the page layout code 212 (for example, HTML code). The instruction 220 for automatically filling out the payment form 210 is created based on the analysis of the markup of the code corresponding to the fields 211 for entering the means of payment. The instruction 220 contains a set of typical (reference) fields 221 of the payment form 210 and the names of the form fields in the page layout 222, mapped semantically with the reference names 221.

In FIG. 4 shows an example where the module 105 of the web browser 111 does not contain complete instructions for filling out the payment form 210. In this case, the module 105 may generate a prompt with options for filling out the field 213, for which there is no instruction. The tooltip contains information 214 containing input options for the means of payment, and these options can relate to various types of information. The formation of the prompt 214 can be created on the basis of filling in by the user EC 102 payment forms on other resources or containing a different type of page layout.

In FIG. 5 shows an example of displaying data on the screen of user device 109 with EC application 102 installed. Payment methods 101 are entered using the standard input means of device 109. Adding data on payment methods can be done by capturing a graphic image of payment tools 101, for example, by analogy with the technology Apple Pay (http://www.imore.com/set-and-troubleshoot-apple-pay), or through contactless data exchange, for example, using NFC technology or using RFID tags installed in payment cards. Application EC 102 can additionally recognize the necessary information from a payment card or from another type of card, for example, a gift card code. Such recognition can additionally be carried out using a remote database of payment means templates. After automatically entering the card data, the user can edit the value of any field (PAN, CVN, CVV2, owner name, card validity date). The values of those fields that were not filled in automatically, the user can enter manually. If you enter the card data manually in order to avoid errors during entry, the application can check the PAN number for correctness according to the Moon algorithm.

In the process of adding card data, the user can cancel this process in the manner provided in the application, for example by pressing the corresponding button in the interface. In case of cancellation, the data received by the application in the process is permanently deleted. Upon completion of editing, the user of the device 109, with the attached EC 102 installed, confirms that the entered means of payment 101 are saved in the manner provided in the application, for example, by pressing the corresponding button in the interface. Upon receipt of confirmation, the card data is stored in the local encrypted application database. After saving, the user can edit and delete the data of previously added cards in the application interface. Corresponding changes will be made by the mobile application to the local encrypted database of the application.

According to FIG. 6, the general process for implementing the claimed invention consists in detecting a payment form (step 301), activating a web browser module to automatically fill it out (step 302), and implementing a process for automatically filling out a payment form on a web resource using the selected means of payment using EC 102 ( step 303).

According to the block diagram of FIG. 7 the process of online transactions using the automated process of filling out a payment form is as follows. After activation at step 302 of the web browser module 105, the module 105 generates a request to provide him with instructions 220 to fill out the payment form 210, which is sent to the control server 107 (step 3021). The request is a command to complete a transaction according to payment form 210 and may contain necessary payment information received from a web browser, for example, such as the transaction amount, address or website name.

The server 107, in response to a request from the web browser module 105, analyzes the data store 108 for the necessary instructions 220 (step 3022). If the instruction 220 is found in the store 108 for the corresponding payment form 210, then a request is made to provide information on the payment instrument 101 using the EC 102. Upon receipt of a request from the server 107 about online payment, the mobile application EC 102 notifies the user of this and offers to select the tool payment 101, by which payment will be made.

The user selects the previously added means of payment 101 in the interface of the mobile application EC 102, for example, a bank card with which payment will be made. If necessary, to authorize the transaction, the user can also present the required authorization data in the application (PIN code, fingerprint, retina image, captcha data, etc.), for example, similar to the principles for authorizing the execution of a transaction known from WO 2012112822 ( VISA INTERNATIONAL SERVICE ASSOCIATION, 08.23.2012).

Further, the EC 102 mobile application transfers the necessary payment data of the bank card 101 selected by the user to the control server 107 and, if necessary, the authorization data for verification by the server 107. Based on the information about the payment forms 210 of the websites stored in the data warehouse 108, the manager the server transmits to the web browser module 105 an instruction 220 containing a template for filling out the payment form 210 of this website, as well as card data 101 by which payment will be made.

Using the received payment form template 210, the web browser module 105 automatically fills out the payment form 210 of the website (seller’s web resource) with the card data 101 received from the control server 107. The filling process may be accompanied by animation or other visual explanation of which fields 211 forms 210 are filled out automatically.

Upon completion of filling in the fields 211 of the payment form 210, the user confirms the input of data on the website page personally by interacting with the graphical interface or, if the payment form template includes instructions for pressing the buttons on the web page interface or interacting with other control elements forms, this button can also be "pressed" automatically by the module 105 of the web browser 111.

According to FIG. Figure 8 shows the principle of automatically filling out transaction confirmation form data. After step 303, at which the payment form 210 was completed on the seller’s web resource, if the issuer 120 uses the two-factor verification mechanism, for example, using 3D-secure, MCC, J / Secure or SafeKey technology, the generated confirmation form is automatically filled Transactions on the issuer's bank web resource.

Typically, these transaction verification technologies on the resource of the issuer's bank 120 consist in confirming the payment by entering a one-time verification code received, for example, via SMS, email, USSD requests or software applications designed to receive a verification code (for example, Microsoft account application for two-factor verification).

After the bank issuer 120 generated and transmitted the transaction confirmation code 250 to the user's device 109, EC 120 scans the memory of the device 109 for detection and subsequently transfers it to the control server 107. As a rule, the two-factor verification of a transaction is limited to a time interval, into which it is necessary to enter the code 250 in the corresponding field 230. The application of the EC 102 can also be analyzed by the messages received by the device 109 in the time interval T, which th is set by the program. In particular, this time period can be aimed at minimizing the time to retrieve the code 250, by viewing the messages received on the user device 109 in the shortest possible time.

The control server 107, based on the received code 250 from the EC 102, generates an instruction to fill in the transaction confirmation data input field 230 and transmits this instruction via the secure data channel to the module 105 of the web browser 111. In response to the received instruction, the module 105 performs an automated filling of the field 230 forms of transaction confirmation on the resource of the bank of the issuer 120 using the code 250 obtained in the instructions. The code 250 transmitted in the instructions can be encrypted on the server 107 with subsequent decryption by the module 105 of the web browser 111. Filling out the form on the web resource of the bank of the issuer 120 may be accompanied by an animation of auto-completion.

After filling out the transaction confirmation form, the purchase is paid on the seller’s resource and the status of the completed transaction is transferred to the application 102 of the user device 109.

If the control server 107 does not know the payment form 210 for this website, then a payment form template is generated. The payment form template is formed as a result of matching the names of the payment form fields of the website extracted by the module 105 for the web browser 111 from the markup of the web page with the corresponding standard (reference) field names 221 recorded in the decision.

A template is generated by the web browser module 105 with the participation of the user, as shown in FIG. 7 as follows. If during the filling out of the payment form 210 by the template it was not possible to find certain fields or the template is missing, the module 105 of the web browser 111 prompts the user to fill in the blank fields manually, substituting the unknown values from the proposed list into unknown fields (step 3023). After selecting the desired value from the list (Fig. 5), the user can cancel his choice (for example, by pressing the cancel icon that appears next to the field after filling), and then select the desired value again. After the user fills in the fields of the payment form 210, the module 105 of the web browser 111 generates an updated template (step 3024) (or a new template, if all fields of the form were unknown), and sends a new template to the control server 107 for subsequent storage in the data warehouse 108 ( step 3025).

In addition to the instructions for filling out the text fields of the payment form 210, the template may also contain additional instructions for interacting with the control elements of the payment form (buttons, drop-down lists, calendar, etc.) necessary to automate the process of filling out the form 210.

Recognition of the code 250 is also carried out according to the corresponding template, which describes the structure of the message and allows the mobile application EC 102 to detect the desired code 250 in the memory of the device 109, for example, in received SMS messages or e-mail messages. If the structure of the received message is unknown to the EC 102 mobile application (there is no template) and the code 250 cannot be extracted automatically, the application prompts the user to enter the verification code 250 manually. In this case, based on the data entered and comparing them with the text of the message, EC application 102 transmits the necessary data to generate a new template and transfers it to the control server 107, which forms and stores the new template on their basis.

The disclosure of the claimed invention presented in the present application materials does not limit other, private embodiments that do not go beyond the scope of the requested legal protection, which are obvious to a person skilled in the art.

Claims (60)

1. An online transaction system comprising a control server, a user’s mobile device with an electronic wallet (EC) application installed, and a web browser installed on a user’s mobile device or computing device, a user device with an installed EC application is configured to: - adding, storing and providing on request payment means of the user; - automatic receipt of transaction confirmation data; - initiating the procedure for secure transfer of payment data and transaction confirmation data to the management server; the web browser installed on the user's mobile device or computing device contains a software module that, when activated by the user device or computing device, allows: - activate the function of automatic filling of the payment form on the seller’s web resource; - activate the function of automatically filling out a transaction confirmation form on the issuer's bank's web resource; - send a request to the management server containing data for the transaction, in response to the initiation of the online payment procedure; the management server is configured to: - establish a secure data transfer session with the EC application and the web browser software module; - in response to receiving a request for a transaction from the said web browser module, generate a request for a choice of payment medium to be transferred to the user device’s EC application; - receive payment medium data and transaction confirmation data in response to a user choice using the EC application; - in response to receiving payment instrument data, generate the first instruction for filling out a payment form on the seller’s web resource containing the payment instrument data; - transfer the aforementioned first instruction to the web browser software module to activate the function of automatically filling out the payment form on the seller’s web resource; - in response to the automatic completion of the payment form on the seller’s web resource, generate a second instruction for filling out the transaction confirmation form on the issuer's bank’s web resource; - transfer the mentioned second instruction to the web browser software module to activate the function of automatically filling out the transaction confirmation form on the issuer's bank web resource; - transfer the status of the transaction to the EC application. 2. The system according to claim 1, characterized in that the means of payment are debit cards, credit cards, or combinations thereof. 3. The system according to claim 1, characterized in that the secure exchange of data between the EC application of the user's device, the web browser software module and the control server is carried out via a wireless data transmission channel. 4. The system according to claim 1, characterized in that the instruction for filling out the payment form is saved as a template in the data warehouse of the management server. 5. The system according to claim 1, characterized in that the means of payment include at least the identification number of the funds (PAN), data of the holder of the funds, the expiration date of the funds and the verification code (CVN). 6. The system according to claim 1, characterized in that the transaction confirmation data is two-factor verification data. 7. The system according to claim 6, characterized in that the EC application receives two-factor verification data by automatically scanning incoming messages received by the user device. 8. The system according to claim 7, characterized in that the transaction confirmation data is a digital code generated by 3D-secure, MCC, J / Secure or SafeKey technology. 9. A method for conducting online transactions on a seller’s web resource using an EC installed on a user's mobile device, comprising the steps of: - enter data into the EC memory containing information about the user's means of payment; - receive the data of the payment form on the seller’s web resource, the data containing a number of fields for filling out payment instrument information; - initiate the transaction using a web browser software module that displays the seller’s web resource and installed on the user's mobile device or computing device associated with the user's mobile device, said module generating a request containing data about the seller’s web resource, and sending it to a remote management server; - form a request for confirmation of the payment method using the remote server in response to the received request from the web browser module, which is sent to the EC application on the user's device; - using the EC, the means of payment are selected for the transaction in response to the received request and information about the means of payment is transferred to the management server; - in response to the received data about the means of payment, the server generates the first instruction for filling out the payment form and transferring it to the web browser software module, the instruction containing the payment instrument data selected using the EC; - fill out the payment form of the seller’s web resource in response to the first instruction received using the web browser software module; - they make the transition to the issuer's bank’s web resource in response to filling out a payment form on the seller’s web resource, which generates a transaction confirmation form and generates a transaction confirmation code with its subsequent transfer to the user's device; - receive a transaction confirmation code on the user's device using the EC application and transfer it to the management server; - receive the said transaction confirmation code on the control server, form a second instruction on its basis for filling out the transaction confirmation form on the issuer's bank’s web resource, and transfer the second instruction to the web browser program module; - they automatically fill out the transaction confirmation form on the issuer's bank’s web resource using the web browser software module; - transmit the status of the transaction in the application EC. 10. The method according to claim 9, characterized in that the transaction confirmation code is a code generated using 3D-secure, MCC, J / Secure or SafeKey technology. 11. The method according to p. 9, characterized in that the first instruction is a completed payment form template of the seller’s web resource. 12. The method according to p. 11, characterized in that the template is created using the analysis of the markup of the seller’s web resource. 13. The method according to p. 12, characterized in that the designation of the information entry fields contained in the aforementioned form is distinguished from the markup. 14. The method according to p. 9, characterized in that the receipt of the transaction confirmation code using EC includes the automatic analysis of the received electronic messages by the user device. 15. The method according to p. 14, characterized in that the analysis of messages is carried out for a period of time not exceeding the set value T. 16. An apparatus for performing online transactions, comprising means for displaying data, means for input / output of information, at least one processor and at least one memory that contains computer-readable instructions that implement the generation of a graphical web browser interface with a corresponding software module to automatically fill out payment forms for online transactions, the commands mentioned, when executed by at least one processor, implement the steps in which: - carry out the activation of the software module for automatically filling out the payment form on the seller’s web resource in response to the discovery of the said form on the said resource; - carry out the generation of a request to the management server to provide the payment tool data to said software module of the web browser to fill out said payment form; - carry out the receipt by the software module of the web browser of the first instruction containing the data of the means of payment from the control server according to the data of the means of payment selected by the user using the mobile application EC; - carry out automatic completion of the said payment form on the seller’s web resource; - carry out the transaction by activating the confirmation of the entered data of the payment form; - carry out the determination of the transaction confirmation form; - a request is made to the management server to provide data to the said web browser software module to fill out the said transaction confirmation form; - receive the second instruction by the web browser software module to automatically fill out the transaction confirmation form based on the transaction confirmation data received from the EC mobile application; - carry out automatic completion of the said transaction confirmation form; - transmit data on the status of the transaction in the mobile application EC. 17. The device according to claim 16, characterized in that the transaction confirmation data is a digital code. 18. The device according to claim 17, characterized in that the code is generated using 3D-secure, MCC, J / Secure or SafeKey technology. 19. The device according to p. 16, characterized in that the first instruction is stored on the management server as a template for the corresponding web resource of the seller. 20. The device according to p. 16, characterized in that the completion of the payment form and transaction confirmation form is accompanied by an animated filling of the fields of the said forms. 21. The device according to p. 16, characterized in that the data exchange between the EC application and the management server is carried out through a secure data channel.

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