SG10201806753RA - System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward - Google Patents

System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward

Info

Publication number
SG10201806753RA
SG10201806753RA SG10201806753RA SG10201806753RA SG10201806753RA SG 10201806753R A SG10201806753R A SG 10201806753RA SG 10201806753R A SG10201806753R A SG 10201806753RA SG 10201806753R A SG10201806753R A SG 10201806753RA SG 10201806753R A SG10201806753R A SG 10201806753RA
Authority
SG
Singapore
Prior art keywords
card
purchaser
reward
friend
obtaining
Prior art date
Application number
SG10201806753RA
Inventor
Shinde Ganesh
Pareek Ravi
Gurunathan Arunmurthy
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Priority to SG10201806753RA priority Critical patent/SG10201806753RA/en
Priority to US16/514,511 priority patent/US11538043B2/en
Publication of SG10201806753RA publication Critical patent/SG10201806753RA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG10201806753RA 2018-08-08 2018-08-08 System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward SG10201806753RA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201806753RA SG10201806753RA (en) 2018-08-08 2018-08-08 System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward
US16/514,511 US11538043B2 (en) 2018-08-08 2019-07-17 System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201806753RA SG10201806753RA (en) 2018-08-08 2018-08-08 System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward

Publications (1)

Publication Number Publication Date
SG10201806753RA true SG10201806753RA (en) 2020-03-30

Family

ID=69406034

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201806753RA SG10201806753RA (en) 2018-08-08 2018-08-08 System and method for processing a card-not-present payment transaction by a purchaser using a friend's card for obtaining a reward

Country Status (2)

Country Link
US (1) US11538043B2 (en)
SG (1) SG10201806753RA (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113766468B (en) * 2020-06-04 2023-10-20 华为技术有限公司 Smart card sharing method, electronic device and computer readable storage medium

Family Cites Families (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06282556A (en) 1993-03-30 1994-10-07 Hisashi Iwata One-time credit card settlement system
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6636833B1 (en) * 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US20010056409A1 (en) * 2000-05-15 2001-12-27 Bellovin Steven Michael Offline one time credit card numbers for secure e-commerce
US6598031B1 (en) 2000-07-31 2003-07-22 Edi Secure Lllp Apparatus and method for routing encrypted transaction card identifying data through a public telephone network
US20140019352A1 (en) 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
US20130085938A1 (en) * 2011-10-04 2013-04-04 Keith J. Stone Method and system for account holders to make, track and control virtual credit card numbers using an electronic device
US7606764B1 (en) * 2006-12-20 2009-10-20 Phillip Dominick Mancini Installment purchase card and related systems and methods for making informed consumer purchases
US8818872B2 (en) * 2007-11-07 2014-08-26 At&T Intellectual Property I, L.P. Point of sale transaction processing
US10970777B2 (en) * 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
WO2010062699A2 (en) * 2008-10-30 2010-06-03 Socialwise, Inc. Related party payment system
WO2010088701A1 (en) * 2009-02-02 2010-08-05 Asurion Corporation Method for integrating applications in an electronic address book
US20130024371A1 (en) * 2011-02-22 2013-01-24 Prakash Hariramani Electronic offer optimization and redemption apparatuses, methods and systems
US8744965B2 (en) * 2012-09-05 2014-06-03 Mastercard International Incorporated Fund sharing method and apparatus
CA3132960A1 (en) * 2012-09-11 2014-03-11 First Data Corporation Systems and methods for facilitating loyalty and reward functionality in mobile commerce
US10552832B2 (en) 2013-05-22 2020-02-04 Mastercard International Incorporated System and method for processing financial transactions funded via limited use virtual payment numbers
US20140351130A1 (en) * 2013-05-22 2014-11-27 Tab Solutions, Llc Multi-User Funding Sources
GB2517183A (en) * 2013-08-14 2015-02-18 Mastercard International Inc Method and system of facilitating payments on a payment card network
US20160034889A1 (en) * 2014-07-29 2016-02-04 Mastercard International Incorporated Apparatus, method, and computer program product for automated sequential electronic payments
KR20160111255A (en) * 2015-03-16 2016-09-26 단국대학교 천안캠퍼스 산학협력단 Method for payment of card-not-present transactions
US20160335634A1 (en) * 2015-05-14 2016-11-17 Mastercard International Incorporated Method and System for Partial Approval of Virtual Card Transactions
US20170032338A1 (en) * 2015-07-29 2017-02-02 Ncr Corporation Payment methods and systems
US10540645B2 (en) * 2016-05-05 2020-01-21 Mastercard International Incorporated Method and system for facilitating installments in an electronic transaction
US11468427B2 (en) * 2018-08-29 2022-10-11 Mastercard International Incorporated Systems and methods for use in contactless communication

Also Published As

Publication number Publication date
US20200051085A1 (en) 2020-02-13
US11538043B2 (en) 2022-12-27

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