Online application for payment instrument using two different communication channels

摘要

The computer-implemented arrangement comprises: receiving user details, assigning to the user a payment instrument based on the received details and transmitting to the user unique identifying data of the assigned payment instrument. The payment instrument typically a credit, debit or other payment card is associated with unique identifying data 19, e.g. a card number or account number 19a, a card verification value (CVV) 19b and a card expiry date 19c. A first portion of the identifying data is transmitted via a first communication channel, e.g. a first part of the card number and the card verification value are transmitted as data packets over a data network 5. A second portion of the identifying data is transmitted via a second communication channel that is different from the first communication channel, e.g. a second part of the card number and the card expiry date are transmitted as one or more text (SMS or Short Message Service) messages via a cellular/mobile telephone network 9.