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METHOD AND SYSTEM TO CONTROL PAYMENT TRANSACTIONS IN A PAYMENT CARD USING COMPANION PAYMENT APPLICATION
METHOD AND SYSTEM TO CONTROL PAYMENT TRANSACTIONS IN A PAYMENT CARD USING COMPANION PAYMENT APPLICATION
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机译:使用伴随支付申请将支付卡中的支付事务控制的方法和系统
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摘要
Embodiments provide methods and systems for controlling payment transactions in a payment card using a companion payment application installed on a user device. The payment application and the payment card may be provided by an issuer server. Using the payment application, the number of transactions allowed on the payment card or an amount limit is set for the payment card. The payment application is used to set, reset, change the value of a counter in the card, which determines the number of allowed transactions. When the user attempts to make a transaction at a POS terminal, the payment card reads the value of counter, and if the value is not equal to a threshold value, the payment card exchanges data with the POS terminal and updates the value of the counter. The payment card is precluded from transaction when value of the counter is equal to threshold value.
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