PAYMENT BY PROXY SERVICE USING PAYMENT CARD

摘要

The disclosure is related a payment-by-proxy service that receives a payment request made by a joint payment card and processes the received payment request by a primary payment card linked to the joint payment card through a payment card processing system including, user devices, a payment terminal of a merchant, a service server of the payment-by-proxy service, and financial institution servers associated with the payment card and the primary payment card. For such a service, a payment card may be configured to store an identification data used for requesting a payment and an initiation data used for processing a payment through the payment-by-proxy service, to generate an initiation message based on the stored initiation data upon receipt of a request signal for the identification data from the payment terminal, and to transmit the generated initiation message to the payment card processing system in response to the request for the identification data.

主权项

1. A payment card for a payment-by-proxy service that receives a payment request made by the payment card and processes the payment request by a primary payment card linked to the payment card, through a payment card processing system including a payment terminal of a merchant, a service server of the payment-by-proxy service, financial institution servers associated with the payment card and the primary payment card, and at least one user device of an associated registered cardholder for displaying the payment card and transmitting information on the payment card to a designated device, the payment card configured to:
store an identification data used for requesting a payment and an initiation data used for processing a payment through the payment-by-proxy service; generate an initiation message based on the stored initiation data upon receipt of a request signal for the identification data from the payment terminal; and transmit the generated initiation message to the payment card processing system in response to the request for the identification data, wherein the generated initiation message invokes the payment card processing system to obtain information on the primary payment card linked to the payment card and to use the obtained information on the primary payment card for processing a payment request made at the payment terminal based on the identification data of the payment card.