The paper deals with the problem of users' identity authentication during payment transactions with the use of mobile devices and web applications. Standard methods of users' identification are considered at performing a payment transaction. The subjects of discussion are the main criteria for the effectiveness of user identification systems in mobile devices and web applications, such as the identification accuracy of the modern systems, time and computational costs, the ability to distribute computations and user convenience. Particular attention is paid to computational and time costs, as they are the most significant for users who make use of practically applicable client-server mobile and web applications. The advantages and disadvantages of face recognition systems application for users' identification and verification are pointed out. Each system element participating in secure banking transaction is described in the course of the payment transaction. A new client-server model is presented for interaction of the face recognition system for security assurance while shopping with the use of mobile devices or web applications. Experimental estimates of the face recognition systems effectiveness are also given. The developed architecture gave the possibility to reduce the time spent by the client for the transaction by an average of 47%, compared with application of standard user authentication tools.
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