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AssigneeAmerican Expres Travel Related Services Company, Inc.
InventorsLee C Chau, Glade R Erikson, Desmond Liang, Nora Maude Hendrycks, Venkat Varadachary
Estimating the term…
The disclosed system enables merchants to ship products to a predefined address that may or may not be an account holder's billing address. The account holder may define one or more alias identifiers that correspond to a predefined shipping address. The predefined shipping address is stored with a corresponding alias identifier. A merchant order form includes a field to accept an alias identifier, such that when the order form is submitted to the merchant and the merchant prepares a purchase authorization request, the alias identifier is included in the request. The credit account issuer receives the payment authorization request and extracts the alias identifier, which is used to locate a matching stored alias identifier. A shipping address corresponding to the stored alias identifier is retrieved and returned to the merchant with an authorization message.
A computer-implemented method comprising:
A computer-implemented method for receiving a consumer preferred shipping address for a transaction, said method comprising:
A merchant system comprising:
A system comprising:
Dependencies are inferred from the claim text.
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From the US filing history. Foreign family members aren’t listed.
Payment protocols; Details thereof: using an alias or single-use codes
Transaction verification: identity check for transactions
Commerce: buying, selling or leasing transactions
Finance
About 1 year of term left · ends 1 Nov 2027 (estimated)
The present invention generally relates to transaction card fraud reduction, and more particularly, to providing an added level of security for Card Not Present (CNP) transactions and enabling consumers to designate a shipping address for items purchased over the Internet that is the same or different from the billing address, without the merchant incurring the fraud risk.
Transaction cards (e.g., credit cards, debit cards, bank cards, charge cards, smart cards and the like) have become increasingly popular for purchasing goods and services and for conducting other transactions. Moreover, online and telephone based transactions are becoming even more popular as the number of online merchants increases. In its early stages, however, consumers were reluctant to use transaction cards over the Internet and/or telephone due to security concerns. To overcome the apprehension of the consumer to conduct purchases online, several secure protocols and cryptography schemes have been employed to better ensure that the consumer's transaction information remains private as it is electronically transported from one location to another.
Conventional Point of Sale (POS) transactions are normally facilitated by inserting, or sliding a transaction card through, a card reader which automatically downloads the card information, thereby allowing the information to be used during the authorization process without the need for manual input or review of the card information. This type of transaction is often referred to as a card present transaction because it is much easier to verify that the transaction card is in the presence of the transaction cardholder because it was required to be inserted into the POS terminal. Because card present transactions are generally viewed as being secure, transaction card providers are often willing to accept most of the fraud risk for lower risk merchants. For example, if a transaction card is stolen and used to facilitate a number of purchases, neither the cardholder nor the merchants who had accepted the transaction card for payment will be held responsible. Instead, the card issuer will provide payment to the affected merchants and the cardholder will not be billed.
A more complete understanding of the invention may be derived by referring to the detailed description and claims when considered in connection with the Figures, wherein like reference numbers refer to similar elements throughout the Figures, and:
FIG. 1 is an overview of an exemplary system for obtaining a shipping address based on an alias identifier provided by a consumer;
FIG. 2 is a process flow diagram showing a high-level view of an exemplary process for facilitating a secure online commerce transaction with an alternate shipping address;
The detailed description of exemplary embodiments of the invention herein makes reference to the accompanying drawings, which show the exemplary embodiment by way of illustration and its best mode. While these exemplary embodiments are described in sufficient detail to enable those skilled in the art to practice the invention, it should be understood that other embodiments may be realized and that logical, software and mechanical changes may be made without departing from the spirit and scope of the invention. Thus, the detailed description herein is presented for purposes of illustration only and not of limitation.
For the sake of brevity, conventional data networking, application development and other functional aspects of the systems (and components of the individual operating components of the systems) may not be described in detail herein. Furthermore, the connecting lines shown in the various figures contained herein are intended to represent exemplary functional relationships and/or physical couplings between the various elements. It should be noted that many alternative or additional functional relationships or physical connections may be present in a practical system.
In general, the invention enhances the security of transactions without requiring the use of a billing address as the shipping address. The invention is easily and readily adaptable to existing online order forms and commercial transaction processing systems. While the system may contemplate upgrades or reconfigurations of existing processing systems, changes to cardholder or merchant systems are not necessarily required by the present invention. For example, the present system may contemplate, but does not require: downloading of software modules, entering codes into existing commerce order forms, speaking an address alias identifier into a telephony-based order system, using a dynamically created code in conjunction with an address alias identifier, activation or deactivation of the address alias identifier, and registering for the service. Moreover, the transaction system can be seamlessly integrated into current electronic commerce processes with minimal to no changes to existing systems used by account holders or merchants.