System and method for transaction-based temporary email

• US 10,628,824 B2
• Filed: 10/13/2015
• Issued: 04/21/2020
• Est. Priority Date: 10/13/2015
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Moore, Devin C., Cohen, Johanna L., Blevins, Derek
• Primary Examiner(s): Detweiler, James M
• Application Number:
  US14/882,071
• Publication Number:
  US 20170103392A1
• Time in Patent Office: 1,652 Days
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

According to one embodiment, a system comprises a customer database operable to store a customer account associated with a customer of an enterprise. The system also comprises a transaction module operable to receive, from a third party, a request to authorize a transaction. The transaction module is further operable to authorize the transaction and generate, in response to the authorized transaction, a transaction identifier to identify the transaction. The system further comprises a temporary email generator operable to generate a temporary email address for the transaction in response to the generated transaction identifier, link the temporary email address to a customer email address, and communicate the temporary email address to the third party. Additionally, the system comprises an integration module operable to receive transaction information from the third party and store the transaction information, wherein the transaction information is associated with the temporary email address.

Claims

1. An enterprise computing device, comprising

memory comprising programmed instructions stored thereon, and

one or more processors coupled to the memory, and configured to execute the stored programmed instructions to conduct operations, the operations including

authorizing a transaction received from a third party device via one or more communication networks, wherein the transaction is associated with a customer account stored in a customer database;

generating, in response to the authorized transaction, a transaction identifier associated with the transaction and a temporary email address;

mapping the temporary email address to a customer email address in the customer database, the customer email address stored in the customer database as associated with the customer account;

communicating the temporary email address to the third party device via the one or more communication networks;

receiving, via the temporary email address, transaction data corresponding to the transaction from the third party device and via the one or more communication networks, the transaction data including a transaction receipt;

determining that the transaction receipt shows a purchase of a certain class of items;

initiating an automatic transfer of money between different customer accounts based at least in part on the determination that the transaction receipt shows a purchase of a certain class of items;

automatically forwarding, via another one or more communication networks, the transaction data to the customer email address based on the mapping of the temporary email address to the customer email address stored in the customer database;

monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed, the passing of the certain amount of time resulting in the transaction identifier becoming expired;

determining that the certain amount of time has passed;

recycling the transaction identifier based at least in part on the determination that the certain amount of time has passed; and

using the recycled transaction identifier at a later time to identify a different authorized transaction.

2. The system enterprise computing device of claim 1,

wherein the one or more processors are further configured to execute the stored programmed instructions to conduct operations, including storing the transaction data in the customer database as associated with the customer account.

3. The enterprise computing device of claim 2,

wherein the transaction data includes a promotion associated with a third party related with the third party device, the third party promotion comprises a coupon or a reward, and the one or more processors are further configured to execute the stored programmed instructions to conduct operations, including:

receiving a request to access, from the user device and via the another one or more communication networks, the promotion;

identifying the promotion responsive to the request with the stored customer account; and

communicating the promotion to an application on the user device via the another one or more communication networks.

4. The system enterprise computing device of claim 1, wherein the one or more processors are further configured to execute the stored programmed instructions to conduct operations, including:

determining, from the transaction data, an item purchased by a customer associated with the customer account;

determining a financial recommendation based on the item and data from the customer account; and

communicating the financial recommendation to an application on the user device via the another one or more communication networks.

5. The enterprise computing device of claim 1, wherein the one or more processors are further configured to execute the stored programmed instructions to conduct operations, including:

completing the transaction; and

communicating an indication of the completion of the transaction to the third party device via the one of more communication networks.

6. A non-transitory computer-readable medium including instructions stored thereon for transaction processing and automated transaction data reporting between third party and user devices, the instructions comprising executable code that, when executed by a processor, causes the processor to conduct operations, including:

authorizing a transaction received from a third party device via one or more communication networks, wherein the transaction is associated with a customer account stored in a customer database;

generating, in response to the authorized transaction, a transaction identifier associated with the transaction and a temporary email address;

mapping the temporary email address to a customer email address in the customer database, the customer email address stored in the customer database as associated with the customer account;

communicating the temporary email address to the third party device via the one or more communication networks;

receiving, via the temporary email address, transaction data corresponding to the transaction from the third party device and via the one or more communication networks, the transaction data including a transaction receipt;

determining that the transaction receipt shows a purchase of a certain class of items;

initiating an automatic transfer of money between different customer accounts based at least in part on the determination that the transaction receipt shows a purchase of a certain class of items;

automatically forwarding, via another one or more communication networks, the transaction data to the customer email address based on the mapping of the temporary email address to the customer email address stored in the customer database;

monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed, the passing of the certain amount of time resulting in the transaction identifier becoming expired;

determining that the certain amount of time has passed;

recycling the transaction identifier based at least in part on the determination that the certain amount of time has passed; and

using the recycled transaction identifier at a later time to identify a different authorized transaction.

7. The computer-readable medium of claim 6,

wherein the executable code, when executed by the processor, further causes the processor to conduct operations, including storing the transaction data in the customer database as associated with the customer account.

8. The computer-readable medium of claim 6,

wherein the transaction data includes a promotion associated with a third party associated with the third party device, the third party promotion comprises a coupon or a reward, and the executable code, when executed by the processor, further causes the processor to conduct operations, including:

receiving a request to access, from the user device and via the another one or more communication networks, the promotion;

identifying the promotion responsive to the request with the stored customer account; and

communicating the promotion to an application on the user device via the another one or more communication networks.

9. The computer-readable medium of claim 6, wherein the executable code, when executed by the processor, further causes the processor to conduct operations, including:

determining, from the transaction data, an item purchased by a customer associated with the customer account;

determining a financial recommendation based on the item and data from the customer account; and

communicating the financial recommendation to an application on the user device via the another one or more communication networks.

10. The computer-readable medium of claim 6, wherein the executable code, when executed by the processor, further causes the processor to conduct operations, including:

completing the transaction; and

communicating an indication of the completion of the transaction to the third party device via the one or more communication networks.

11. A method for transaction processing and automated transaction data reporting between third party and user devices, the method implemented by one or more enterprise computing devices, the method comprising:

authorizing a transaction received from a third party device via one or more communication networks, wherein the transaction is associated with a customer account stored in a customer database;

generating, in response to the authorized transaction, a transaction identifier associated with the transaction and a temporary email address;

mapping the temporary email address to a customer email address in the customer database, the customer email address stored in the customer database as associated with the customer account;

communicating the temporary email address to the third party device via the one or more communication networks;

receiving, via the temporary email address, transaction data corresponding to the transaction from the third party device and via the one or more communication networks, the transaction data including a transaction receipt;

determining that the transaction receipt shows a purchase of a certain class of items;

initiating an automatic transfer of money between different customer accounts based at least in part on the determination that the transaction receipt shows a purchase of a certain class of items;

automatically forwarding, via another one or more communication networks, the transaction data to the customer email address based on the mapping of the temporary email address to the customer email address stored in the customer database;

monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed, the passing of the certain amount of time resulting in the transaction identifier becoming expired;

determining that the certain amount of time has passed;

recycling the transaction identifier based at least in part on the determination that the certain amount of time has passed; and

using the recycled transaction identifier at a later time to identify a different authorized transaction.

12. The method of claim 11, further comprising:

storing the transaction data in the customer database as associated with the customer account.

13. The method of claim 11,

wherein the transaction data includes a promotion associated with a third party associated with the third party device, the third party promotion includes a coupon or a reward, and the method further comprises:

receiving a request to access, from the user device and via the another one or more communication networks, the promotion;

identifying the promotion responsive to the request with the stored customer account; and

communicating the promotion to an application on the user device via the another one or more communication networks.

14. The method of claim 11, further comprising:

determining, from the transaction data, an item purchased by a customer associated with the customer account;

determining a financial recommendation based on the item and data from the customer account; and

communicating the financial recommendation to an application on the user device of the customer via the another one or more communication networks.

15. The method of claim 11, further comprising:

completing the transaction; and

communicating an indication of the completion of the transaction to the third party device via the one or more communication networks.