In our lives, over time, more and more technology belonging to the category of the Internet of things (IoT). The functionality of new smart home devices is expanding. As experts predict, in a couple of years on the planet there will be 25 billion devices connected to the Internet and, of course, all household appliances will be in their ranks. By the way, by the time she learns to pay for utility bills and purchase other goods. With the increase in the number of smart home gadgets, payments that are invisible to the owner will increase automatically, that is, without his participation. This principle works when debiting funds for subscribing to various digital services. However, he will soon be in areas such as shopping and utility bills. Devices such as refrigerators and washing machines can not only pay for electricity, but also discuss electricity prices with a service provider. Or the cost of a package on cable TV in the case of a TV. This is the opinion of Phil Pomford, who works as a senior manager at Worldpay, a company specializing in payment processing services. In society, however, such systems are still not trusted. Three quarters of Britons fear probable hacker attacks on their smart home systems. It is curious that the Chinese trust this technology more: almost two-thirds of the Chinese would like to introduce smart things into their home.