The present invention aims to employ the second device for propagating to the loyalty model to allow a user to access a temporary card token without disclosing primary account number (PAN) information. A first device (101) is pre-registered with the software development kit (SDK) of the user's payment network provider for authorization tokens without disclosing card information. In addition, if a token is bumped on the dashboard of the first device, a token of low value might be sent to the second device based on the consolidated loyalty score of the devices. A silent push message sent by the payment network provider is forwarded by the Issuer to the second device (102). An Instant Token of the specified amount is generated on the second device after it has verified the push message's authenticity. Utilizing the identity data from the second device, Issuer will bill the customer for the transaction.

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.