FIELD: information technology.
SUBSTANCE: in the method a message of a financial transaction that contains the account ID and the transaction amount is received, it is found that the account identifier is associated with the payment card used for merchandise and services payment using loyalty points, a message of payment transaction is transmitted to the remuneration intercept system processor, the loyalty points account associated with the payment card is identified, the equivalent in loyalty points to the amount of the transaction is determined, it is determined whether loyalty points balance associated with the personal account, is not fewer than equivalent in loyalty points, a definite equivalent in loyalty points is subtracted of the account loyalty points, the secondary payment mechanism differing from the account loyalty points is determined, the secondary payment transaction is initiated, after that if the secondary payment transaction is not authorised the substructed loyalty points are returned to the loyalty points account and a callback message noting whether the financial transaction was authorised is sent.
EFFECT: payment transaction enforcement.
37 cl, 15 dwg
