Patent ID: 6859795

Claim:
A method for effecting payments comprising steps of: replenishing a payer device by an operation of primarily filling a payment certificate, in which a payment certificate base is created in the payer device and a payment certificate signature is obtained by means of making a blind money signature of an operator; performing an operation of opening a payees account; performing a payment operation in which the payment certificate signature and an identifier of the payment certificate base are included into payment data delivered to a payee device by means of which a payee order is formed including the payment certificate signature and the identifier of the payment certificate base; delivering the formed payee order to a payment server in which the payee's account is credited on the basis of the payee order in the case of absence of an information that the payment certificate was utilized, according to the validity of the delivered payment certificate signature; and forming the operator's response to the payee order, by means of which response the payment operation is judged, characterized in that the method is further comprising steps of: including an identifier of a public key into the payment certificate base, said public key corresponding to an arbitrary secret key of a payer, wherein the public key is accepted as the public key of the payment certificate and the secret key of the payer is accepted as a secret key of the payment certificate; including a payer order signed with the secret key of the payment certificate into the payment data, and including an information on the payee and the identifier of the payment certificate base into the payer order; and the step of crediting the payee's account is carried out according to the validity of the signature on the payer order.