Patent ID: 8762216

Claim:
A method of lending a payment instrument, the method comprising: associating a payment instrument and a security code with a lendee based at least in part on a designation of the lendee by a lender, the payment instrument made available for the lendee to make a payment on behalf of the lender and the security code to enable the lendee to validate the payment instrument; receiving a payment request from an entity based at least in part on a payment transaction with the lendee, the payment request including transaction details that link the lendee to the payment instrument; transmitting an identifier of the payment instrument to the entity along with at least one other identifier of another payment instrument available to the lendee for selection by the lendee during the payment transaction; receiving the security code from the entity based at least in part on an input provided by the lendee during the payment transaction, the security code being used in lieu of an account number of the payment instrument to validate use of the payment instrument; and denying the payment request to use the payment instrument when the security code is invalid for the payment instrument.