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Process and System to let your friends pay for your online transaction

IP.com Disclosure Number: IPCOM000236703D
Publication Date: 2014-May-09
Document File: 4 page(s) / 253K

Publishing Venue

The IP.com Prior Art Database

Related People

Arun Katta: AUTHOR

Abstract

Often we encounter a scenario where an e-commerce website that a customer is shopping at, is giving a discount for a credit card issued by a specific bank and that customer does not have that particular card for which discount is applicable. In some cases the customer may not even be having any credit card but since the item he is interested in, is offered at a significant discount, he still is interested in buying it from the e-commerce website. The shopper knows that one of his friends or family is carrying that specific card. The existing solution to the above problem is for our customer to call his friend (the friend trusts our shopper) and get the credit card details and then use those card details to make a purchase and avail the discount. The other option is for the friend to make that transaction and use the customer’s address as the shipping address. (Our shopper later settles the amount with his friend in offline mode or through other channels such as bank transfer.) With the above two options either the friend needs to share his card details (including cvv) to us which is not secure for obvious reasons Or he/she needs to go to that website we want to shop at, add all the items that we want, buy and put the shipping address of ours, which is not very productive. Using the below described process your friends can pay for your transaction with out having to go through any of the issues discussed above.

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Page 01 of 4

Process and System to let your friends pay for

your online transaction

Abstract:

Often we encounter a scenario where an e-commerce website that a customer is shopping at, is giving a discount for a credit card issued by a specific bank and that customer does not have that particular card for which discount is applicable. In some cases the customer may not even be having any credit card but since the item he is interested in, is offered at a significant discount, he still is interested in buying it from the e- commerce website. The shopper knows that one of his friends or family

The existing solution to the above problem is for our customer to call his friend (the friend trusts our shopper) and get the credit card details and then use those card details to make a purchase and avail the discount. The other option is for the friend to make that transaction and use the customer's address as the shipping address.
(Our shopper later settles the amount with his friend in offline mode or through other channels such as bank transfer.) With the above two options either the friend needs to share his card details (including cvv) to us which is not secure for obvious reasons Or he/she needs to go to that website we want to shop at, add all the items that we want, buy and put the shipping address of ours, which is not very productive. Using the

out having to go through any of the issues discussed above.

Imagine you go to an e-commerce website and you like some products there that you want to buy. And you come across an advertisement that that website is offering 20 % off for CITI credit customers. But you only have only HSBC credit card not CITI's. Then you recollected that one of your friends has a CITI card.

is carrying that specific card.

below described process your friends can pay for your transaction with

Detailed Description:


Page 02 of 4

So with the current available methods,


1. You can call him up; get the credit card details and pay yourself.


2. Ask your friend to go to the website, buy your interested items by

The first of above methods is not secure as the credit card details are Solution:

So the solution is to share your payment transaction to your friend, so

card. When the transaction completes, you wo...