System and method for facilitating a secured financial transaction using an alternate shipping address

US8412639B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Lee Chau · New York, US
• Glade R. Erikson · Glendale, US
• Desmond Liang · New York, US
• Nora Maude Hendrycks · New York, US
• Venkat Varadachary · New York, US

Key dates

• Filing date: Nov 1, 2007
• Grant date: Apr 2, 2013
• Expiry date: Nov 1, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.