Payment methods of the future: IT-technologies and software for electronic payment implementation

Currently, worldwide there is an intensive development in the field of electronic payments and banking services. Regular updating and dynamic development of payment systems is primarily aimed at improving the financial environment, security of use and storage of funds. This article describes the basic requirements for the development of innovative systems and software products in the field of electronic payments and banking services. IT technologies for electronic payments are divided into two levels: bank card technology and mobile device technology. These technologies are described in detail in the article and their advantages and disadvantages are highlighted. The examples that demonstrate in the article clearly show the use of IT-technologies in the real life of people, namely, in Nosov Magnitogorsk State Technical University. With regard to mobile technology, the article provides an analysis and provides conservative forecasts for the development of mobile payments, displayed in the diagram. But at the same time there are some problems with the development and use of mobile commerce, which with the constant development and updating are solved at a high level.