elle_girl (French?): I didn't really understand all the either. But I assume you want to assign a user a unique id (which really acts as a session id) which expires after a minute (which is quite quick). Then, you want them to go to a page. You want them to see the reference id and a smile. Well, I don't really get the smile: a picture of a person smiling, to promote the happiness of the area (I am sure you have a lovely smile, and would promote the happiness, but I doubt this is what you mean:p). So, I don't get the smile part, obviously. Is that a term I am just unaware of, meaning clear-text or something.
Anyway, then you want to communicate the reference id to the bank, encrypted (for security reasons) to complete a transaction. You are wondering if password() would be suffecent.
Have I got a jist on the problem at hand at all?
Define other page, what does this other page do.
Define smile.
You would need a way to track reference ids, database being an effective method.
I don't think I have got the problem right, please try explaining it a bit better.
Good Luck