System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward
US11538043B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 17, 2019 |
| Grant date | Dec 27, 2022 |
| Priority date | — |
| Expiry date | Jan 1, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0226
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.