METHOD FOR CARRYING OUT TRANSACTIONS AND DEVICE FOR REALISING THE SAME

1. 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 the operator; performing an operation of opening a payee's 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 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 an 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 a 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 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 payee order. 2. The method according to Claim 1, characterized in that in the step of performing the payment operation the signed payer order is entered into an operator's information storage. 3. The method according to Claim 1, characterized in that in the step of replenishing the payer device a money demand is formed including data for making a blind money signature, and is delivered to the payment server in which a replenishment source and replenishment amount are determined according to the money demand; data to be unblinded are created in the step of making the blind money signature by processing data for making the blind money signature, that are comprised in the demand, with a secret money key corresp