COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR PROCESSING A PAYMENT TRANSACTION

Computer system and computer-implemented method for processing a payment transaction A payment network server for processing a payment transaction initiated by a third party other than a customer when the customer is not present is described, the server comprises at least a computer processor and a data storage device, the data storage device comprising non-transitory instructions operative by the processor to: (i) receive, from a merchant server, a payment transaction request, the payment transaction request comprising transaction details and a transaction indicator, the transaction details comprising a customer identifier provided by the third party and a payment amount; (ii) query a payment network database associating issuer institutions with a plurality of customer identifiers to identify using the customer identifier an issuer institution and an associated issuer server; (iii) request authorisation, from at least one of the issuer server and the customer, to proceed with the payment transaction; and (iv) transmit, to the merchant server, a payment transaction response indicating an approval or a refusal for the payment transaction to proceed; wherein the transaction indicator indicates that the payment transaction is to proceed using the customer identifier and the payment amount. [Figure to print with the abstract: Fig. ] 47