System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward
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United States of America Patent
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Dec 27, 2022
Grant Date -
N/A
app pub date -
Jul 17, 2019
filing date -
Aug 8, 2018
priority date (Note) -
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status (Latency Note)
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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.
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