Secure anonymous transaction apparatuses, methods and systems

• US 10,482,398 B2
• Filed: 08/01/2017
• Issued: 11/19/2019
• Est. Priority Date: 02/28/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman
• Primary Examiner(s): Glass, Russell S
• Application Number:
  US15/666,466
• Publication Number:
  US 20180012147A1
• Time in Patent Office: 840 Days
• Field of Search: 705 16
• CPC Class Codes: G06Q 10/00 Administration; Management

Abstract

The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.

Claims

1. A computer-implemented method, comprising:

receiving, by a computer system from a merchant computer, an anonymized purchase order that comprises a one-time anonymized account number and an anonymized shipping address, the one-time anonymized account number and the anonymized shipping address generated by a one-time anonymous data generation component of a network server; and

prior to instructing, by the computer system, shipment of items related to the anonymized purchase order to the anonymized shipping address;

receiving, by the computer system from the network server, an identifier associated with the anonymized purchase order, and

requesting, by the computer system, an actual shipment address for the anonymized purchase order based at least in part on the identifier by generating an encrypted request message that is verified by the network server.

2. The computer-implemented method of claim 1, further comprising:

obtaining a purchase notification for the anonymized purchase order; and

providing a real-time notification to a user associated with the anonymized purchase order.

3. The computer-implemented method of claim 1, further comprising:

prior to receiving the anonymized purchase order;

obtaining, by the network server, a secure anonymous transaction user authentication request; and

verifying, by the network server, authenticity of a user using the secure anonymous transaction user authentication request, wherein receiving the anonymized purchase order is contingent upon verifying the authenticity of the user.

4. The computer-implemented method of claim 3, wherein the user uses a user device that utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

5. The computer-implemented method of claim 1, wherein a mobile device executing a virtual wallet application is utilized to initiate the anonymized purchase order.

6. The computer-implemented method of claim 5 wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymized account number and the anonymized shipping address when it is activated.

7. The computer-implemented method of claim 1, wherein the merchant computer obtains the anonymized purchase order from an associated point-of-sale terminal.

8. The computer-implemented method of claim 1, wherein the one-time anonymized account number includes a card number and a card verification value number.

9. The computer-implemented method of claim 1, wherein the one-time anonymized account number is generated using random number generation.

10. The computer-implemented method of claim 1, wherein the one-time anonymized account number is generating using an encryption procedure.

11. A secure anonymous transaction system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to;

receive, from a merchant computer, an anonymized purchase order that comprises a one-time anonymized account number and an anonymized shipping address, the one-time anonymized account number and the anonymized shipping address generated by a one-time anonymous data generation component of a network server;

receive, prior to instructing shipment of items related to the anonymized purchase order to the anonymized shipping address, an identifier associated with the anonymized purchase order; and

request an actual shipment address for the anonymized purchase order based at least in part on the identifier by generating an encrypted request message that is verified by the network server.

12. The system of claim 11, the memory further storing instructions to:

obtain a purchase notification for the anonymized purchase order; and

provide a real-time notification to a user associated with the anonymized purchase order.

13. The system of claim 11, wherein the anonymized purchase order includes an identification of products for purchase from a plurality of merchants.

14. The system of claim 11, wherein the anonymized purchase order includes a plurality of anonymous account numbers.

15. The system of claim 11, wherein prior to receiving the anonymized purchase order the network server obtains a secure anonymous transaction user authentication request and verifies authenticity of a user using the secure anonymous transaction user authentication request, wherein receiving the anonymized purchase order is contingent upon verifying the authenticity of the user.

16. The system of claim 15, wherein the user utilizes a user device that utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

17. The system of claim 11, wherein a mobile device executing a virtual wallet application is utilized to initiate the anonymized purchase order.

18. The system of claim 17, wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymized account number and the anonymized shipping address when it is activated.

19. The system of claim 11, wherein the merchant computer obtains the anonymized purchase order from an associated point-of-sale terminal.

20. The system of claim 11, wherein the one-time anonymized account number includes a card number and a card verification value number.