| 摘要 |
PROBLEM TO BE SOLVED: To provide a proxy card payment system that overrides a declined payment account transaction in real-time payment.SOLUTION: A proxy card payment system includes a real-time request to override a declined transaction or a real-time request to select a different financial account to proceed with a transaction, and insertion of user identification information into a transaction approval message sent to a merchant. The system includes specific information for multiple financial accounts, including, but not limited to, debit cards, credit cards, stored value cards, loyalty/reward cards, and coupons (including purchased offers and other offers) each accessible by a proxy account. |
