System and method for facilitating a secured financial transaction using an alternate shipping address
View Patent ↗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.
1. A computer-implemented method comprising:
receiving, by an authorizing computer, an authorization request from a merchant related to a transaction, wherein said authorization request includes an alias identifier and a transaction account identifier, wherein a billing address is determined using said transaction account identifier;
authenticating, by said authorizing computer, said alias identifier based upon a stored alias identifier which corresponds to said transaction account identifier;
in response to said authenticating failing, authorizing said transaction based upon the billing address and providing, by said authorizing computer, an authorization response to said merchant, and setting a shipping address associated with said transaction to said billing address;
in response to said authenticating succeeding:
overriding a fraud prevention rule, wherein said fraud prevention rule requires said shipping address to be the same as said billing address;
in response to the overriding, assuming by an issuer said fraud risk associated with said transaction, wherein said issuer is associated with a transaction account associated with said transaction account identifier;
retrieving, by said authorizing computer, a rule using said stored alias identifier, wherein said rule includes logic for determining a first shipping address;
authorizing, by said authorizing computer, said transaction at least partially based upon at least one of: said authenticating said alias identifier or said rule;
determining, by said authorizing computer and based upon said rule, a first shipping address corresponding to said stored alias identifier, wherein said first shipping address is different from said billing address;
providing, by said authorizing computer, an authorization response to said merchant; and,
providing, by said authorizing computer, said first shipping address to at least one of said merchant and a third party shipper.
2. The method of claim 1 , further comprising:
receiving, by said authorizing computer, a request from said customer to add said first shipping address, wherein said request includes said transaction account identifier, said first shipping address and said alias identifier;
creating a data relationship among said consumer identifier, said first shipping address and said alias identifier; and,
storing said first shipping address and said alias identifier under said stored alias identifier.
3. The method of claim 2 , further comprising receiving a second request to add a second shipping address, wherein said second request includes said second shipping address and at least one of a second alias identifier or said rule.
4. The method of claim 1 , wherein said alias identifier is equivalent to said stored alias identifier.
5. The method of claim 1 , wherein said shipping address is at least one of: a physical address, email address, text messaging address, telephone number, facsimile number, an address code, or global positioning coordinates.
6. The method of claim 1 , further comprising:
receiving, at said authorizing computer, a verification code which establishes an identity of at least one of: said consumer and said merchant; and
determining whether said verification code matches a stored verification code corresponding to said stored alias identifier.
7. The method of claim 1 , further comprising notifying said merchant in response to said authenticating.
8. The method of claim 1 , wherein said authorization request includes at least one of: a name of said consumer, a name of said merchant, a service establishment code, an account code, an account expiration date, a transaction device security code, a billing address, verification code, loyalty points, or a payment amount.
9. The method of claim 1 , wherein said receiving said authorization request comprises receiving said authorization request via at least one of: Point of Sale (POS) device, web page, popup window, email, telephone or facsimile.
10. The method of claim 1 , wherein said providing said first shipping address comprises providing said first shipping address via at least one of: Point of Sale (POS) device, web page, popup window, email, telephone or facsimile.
11. The method of claim 1 , wherein said authorization response includes said first shipping address.
12. The method of claim 1 , wherein said providing said first shipping address includes providing in accordance with said rule.
13. A computer-implemented method for receiving a consumer preferred shipping address for a transaction, said method comprising:
requesting, by a merchant computer, a shipping address by sending an authorization request to an authorizing computer related to said transaction for said consumer, wherein said authorization request includes an alias identifier and a transaction account identifier, wherein said authorizing computer determines a billing address based upon said transaction account identifier,
wherein said authorizing computer authenticates said alias identifier based upon a stored alias identifier which corresponds to said transaction account identifier,
wherein in response to said authenticating failing, said authorizing computer authorizes said transaction based upon the billing address, sets a shipping address associated with said transaction to said billing address, and provides an authorization response to said merchant computer,
wherein in response to said authenticating succeeding said authorizing computer:
overrides a fraud prevention rule, wherein said fraud prevention rule requires said shipping address to be the same as said billing address;
in response to overriding said fraud prevention rule, an issuer assuming said fraud risk associated with said transaction, wherein said issuer is associated with a transaction account associated with said transaction account identifier;
retrieves a rule using said stored alias identifier, wherein said rule includes logic for determining a first shipping address;
authorizes said transaction at least partially based upon at least one of: said authenticating said alias identifier or said rule;
determines, based upon said rule, a first shipping address corresponding to said stored alias identifier wherein said first shipping address is different from said billing address;
provides an authorization response to said merchant computer; and,
provides said first shipping address to at least one of said merchant computer and a third party shipper.
14. The method of claim 13 , wherein said receiving comprises receiving said first shipping address from at least one of: an issuer of an account related to said payment request, a local database at said merchant, or a third party database.
15. The method of claim 13 , wherein said receiving comprises at least one of said merchant or a third party shipper receiving said first shipping address.
16. The method of claim 13 , further comprising determining said authorization response as invalid, wherein said authenticating comprises determining that said alias identifier is invalid.
17. A merchant system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with said processor,
said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor perform operations comprising:
requesting, by said processor, a shipping address by sending an authorization request to an authorizing computer related to said transaction for said consumer, wherein said authorization request includes an alias identifier and a transaction account identifier, wherein said authorizing computer determines a billing address upon said transaction account identifier,
wherein said authorizing computer authenticates said alias identifier based upon a stored alias identifier which corresponds to said transaction account identifier,
wherein in response to said authenticating failing, said authorizing computer authorizes said transaction based upon said billing address, sets a shipping address associated with said transaction to said billing address, and provides an authorization response to said merchant computer,
wherein in response to said authenticating succeeding said authorizing computer:
overrides a fraud prevention rule, wherein said fraud prevention rule requires said shipping address to be the same as said billing address;
in response to overriding said fraud prevention rule, an issuer assuming said fraud risk associated with said transaction, wherein said issuer is associated with a transaction account associated with said transaction account identifier;
retrieves a rule using said stored alias identifier, wherein said rule includes logic for determining a first shipping address;
authorizes said transaction at least partially based upon at least one of: said authenticating said alias identifier or said rule;
determines, based upon said rule, a first shipping address corresponding to said stored alias identifier wherein said first shipping address is different from said billing address;
provides an authorization response to said merchant computer; and,
provides said first shipping address to at least one of said merchant computer and a third party shipper.
18. The method of claim 1 , wherein said rule comprises at least one of: a transaction limit for said stored alias identifier, a time restriction for said stored alias identifier, a shipping company restriction for a shipping company associated with said transaction, a requirement for a secondary approval for said transaction, or a rule for determining a shipping address from among a plurality of shipping addresses each having a data relation with said stored alias identifier.
19. A system comprising:
a processor for authorizing transactions,
a tangible, non-transitory memory configured to communicate with said processor,
said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor perform operations comprising:
receiving, by said, processor, an authorization request from a merchant related to a transaction, wherein said authorization request includes an alias identifier and a transaction account identifier, wherein a billing address is determined using said transaction account identifier;
authenticating, by said processor, said alias identifier based upon a stored alias identifier which corresponds to said transaction account identifier;
in response to said authenticating failing, authorizing said transaction based upon said billing address and providing, by said processor, an authorization response to said merchant, and setting a shipping address associated with said transaction to said billing address;
in response to said authentication succeeding:
overriding a fraud prevention rule, wherein said fraud prevention rule requires said shipping address to be the same as said billing address;
in response to said overriding, assuming by an issuer said fraud risk associated with said transaction, wherein said issuer is associated with a transaction account associated with said transaction account identifier;
retrieving, by said processor, a rule using said stored alias identifier, wherein said rule includes logic for determining a first shipping address;
authorizing, by said processor, said transaction at least partially based upon at least one of: said authenticating said alias identifier or said rule;
determining, by said processor and based upon said rule, a first shipping address corresponding to said stored alias identifier, wherein said first shipping address is different from said billing address;
providing, by said processor, an authorization response to said merchant; and,
providing, by said processor, said first shipping address to at least one of said merchant and a third party shipper.