Secure method of providing a delivery address during a tokenized transaction

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method comprising:

• (a) using a computing apparatus of a consumer to send a request for a payment identification code to a computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the payer for making payments from the consumer;
• (b) the financial institution's computing apparatus sending a request for a payment identification code to a computing apparatus of a payment agent;
• (c) the payment agent's computing apparatus responsively generating a payment identification code that is unique thereby allowing the payment to be unambiguously identified, storing the payment identification code with an indication of the requesting financial institution, and providing the payment identification code to the financial institution's computing apparatus;
• (d) the financial institution's computing apparatus sending the payment identification code to the consumer's computing apparatus;
• (e) the consumer's computing apparatus submitting an order to a computing apparatus of the merchant and providing the payment identification code but not providing a delivery address;
• (f) a computing apparatus of a distributor sending a message to the payment agent's computing apparatus, wherein the distributor is associated with the merchant for collecting payments due to the merchant, and wherein the message comprises the payment identification code, payment information identifying the merchant and the amount to be paid, and a request for a delivery address;
• (g) the payment agent's computing apparatus storing the payment information and an indication that a delivery address is to be obtained with the associated payment identification code, and sending the payment information and a request for a delivery address to the financial institution's computing apparatus;
• (h) the financial institution's computing apparatus sending the payment information, the payment identification code, and the request for a delivery address to the consumer's computing apparatus that received the payment identification code;
• (i) the consumer's computing apparatus that received the payment identification code displaying the payment information for authorization by the consumer and, in response to receiving the request for a delivery address, prompting the consumer to select a delivery address;
• (j) the consumer's computing apparatus that received the payment identification code receiving an authorization and a selection of a delivery address from the consumer, and sending a request to pay message including the payment identification code and an indication of the selected delivery address to the financial institution's computing apparatus;
• (k) the financial institution's computing apparatus arranging for a payment from the consumer to the merchant, either directly to the merchant or indirectly via the distributor;
• and
• (l) the merchant's computing apparatus receiving the indication of the selected delivery address.

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method performed using a consumer computing device and comprising:

• submitting an order to a merchant computer apparatus associated with the merchant without providing a delivery address;
• receiving a payment identification code either directly from the merchant computer apparatus or via a distributor's computing apparatus, wherein the distributor is associated with the merchant for collecting payments due to the merchant and the payment identification code is unique, thereby allowing payment information to be unambiguously identified;
• sending the payment identification code to a computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the consumer for making payments from the consumer;
• receiving from the financial institution a request for the delivery address, the payment identification code, and payment information, wherein the payment information identifies the merchant and the amount to be paid;
• displaying the request for delivery address, payment identification code, and payment information for authorization by the consumer;
• receiving from the consumer a payment authorization and a selection of the delivery address;
• and
• sending a request to pay message and the selected delivery address to the financial institution, such that the financial institution will arrange payment either directly to the merchant or indirectly via the distributor.

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method performed using a distributor computing apparatus, wherein the distributor is associated with the merchant for collecting payments due to the merchant, the method comprising:

• sending a request for a payment identification code and a delivery address to a payment agent computing apparatus, wherein the request comprises payment information identifying the merchant and the amount to be paid;
• receiving the payment identification code from the payment agent, wherein the payment identification code associated with the payment information is unique, thereby allowing the payment to be unambiguously identified;
• providing the consumer with the payment identification code, either directly or via a merchant computing apparatus associated with the merchant;
• and
• paying the merchant from the consumer on arrangement by a financial institution, wherein the financial institution is a financial institution associated with the consumer for making payments from the consumer.

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method performed using a merchant computing device and comprising:

• receiving, from a consumer computing device associated with the consumer, an order, wherein the order does not comprise a delivery address;
• sending to a distributor associated with the merchant for collecting payments due to the merchant, a request for delivery address and payment identification code, wherein the request identifies the merchant and the amount to be paid;
• providing the consumer with the payment identification code from the distributor computing apparatus, wherein the payment identification code is unique, thereby allowing the payment to be unambiguously identified;
• receiving payment arranged by a financial institution, either directly or indirectly via the distributor, wherein the financial institution is a financial institution associated with the consumer for making payments from the consumer;
• and
• receiving an indication of a selected delivery address.

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method performed using a payment agent computing apparatus and comprising:

• receiving, from a distributor associated with a merchant for collecting payments due to the merchant, a request for a payment identification code and a delivery address, wherein the request comprises payment information identifying the merchant and the amount to be paid;
• generating a payment identification code to be associated with the payment information that is unique thereby allowing the payment to be unambiguously identified;
• storing the payment identification code with the associated payment information and an indication that a delivery address is to be collected;
• providing the payment identification code to the distributor computing apparatus;
• receiving the payment identification code from a financial institution, wherein the financial institution is a financial institution associated with the consumer for making payments from the consumer;
• using the payment identification code to retrieve the previously stored payment information associated with the payment identification code;
• and
• sending the payment information associated with the payment identification code and request for a delivery address to the financial institution computing apparatus, such that the financial institution will arrange payment either directly to the merchant or indirectly via the distributor.

A computer-implemented method of facilitating placement of an order between a consumer and a merchant, the method performed using a financial institution computing apparatus, wherein the financial institution is a financial institution associated with the consumer for making payments from the consumer, the method comprising:

• receiving, from a consumer computing apparatus, a payment identification code, wherein the payment identification code is unique, thereby allowing payment information to be unambiguously identified;
• sending the payment identification code to a payment agent computing device;
• receiving a delivery address request and payment information, wherein the payment information comprises an identification of the merchant and the amount to be paid;
• sending the payment information, the payment identification code, and the request for a delivery address to the consumer computing apparatus;
• receiving a request to payment message including the payment identification code and an indication of the selected delivery address from the consumer computing apparatus;
• and
• arranging payment from the consumer to the merchant either directly to the merchant or indirectly via a distributor associated with the merchant for collecting payments due to the merchant.