DELEGATED PAYMENT VERIFICATION FOR SHARED PAYMENT INSTRUMENTS

摘要

Disclosed are various embodiments for delegated payment verification for shared payment instruments. In one embodiment, a payment handling service receives a payment transaction initiated by a first user using a payment instrument. The payment handling service then determines that a second user is designated as a payment authentication approver for the payment instrument. The payment handling service then causes a client device associated with the second user to receive an authentication challenge performed by a payment issuer of the payment instrument. The payment transaction is submitted for processing by the payment issuer upon a successful completion of the authentication challenge by the second user.