System and method for managing recipient accounts

• US 20090240597A1
• Filed: 03/20/2009
• Published: 09/24/2009
• Est. Priority Date: 03/20/2008
• Status: Abandoned Application

• Current Assignee: Jack Oswald
• Original Assignee: Jack Oswald
• Inventors: Oswald, Jack
• Application Number:
  US12/383,134
• Publication Number:
  US 20090240597A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 10/083 Shipping
• CPC Class Codes: G06Q 10/0835 Relationships between shipper or supplier and carriers
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A system and method to use a recipient account by a user for the purchase of goods from a merchant. During the purchasing transaction, the user submits a recipient account identifier, which can be used to identify a recipient account maintained by a shipper, to the merchant. The merchant further receives a transaction request for the purchasing of goods to be shipped to the user. By using the recipient account identifier, the merchant can request a payment from the shipper. The shipper does not reveal the method of payment by the user to the merchant. Upon receiving a payment from the shipper, the merchant and the user can commit the purchasing transaction. The shipper can later be used to transfer the purchased goods from the merchant to the user, without revealing the user'"'"'s address.

Claims

1. A method comprising:

creating, at a provider engine, a sender account for a shipper, the sender account allowing a consumer to purchase goods;

receiving, at the provider engine, a request for a purchase transaction from the consumer, the request not including a shipping address for the consumer;

requesting, at the provider engine, authorization for the purchase transaction from the shipper;

receiving, at the provider engine, authorization for the purchase transaction from the shipper;

providing goods to be shipped to the shipper, wherein the shipping address for the consumer is not known.

2. The method as recited in claim 1, further comprising:

submitting, at the provider engine, a first authentication passcode along with a recipient account identifier associated with a recipient account to the shipper, wherein the shipper transmits the first authentication passcode to a holder of the recipient account;

receiving, at the provider engine, a second passcode from the consumer;

upon a determination that the second passcode is equal to the first authentication passcode, committing the purchase transaction with the consumer.

3. The method as recited in claim 1, further comprising:

receiving, at the provider engine, a payment from the shipper, without knowing payment information of the consumer.

4. The method as recited in claim 1, further comprising:

tracking the purchase transaction and the shipping of the goods via the shipper without knowing the shipping address of the consumer.

5. The method as recited in claim 1, further comprising:

requesting a payment confirmation from the shipper without knowing how the consumer pays for the payment;

upon receiving the payment confirmation, committing the transaction for purchasing of the goods.

6. The method as recited in claim 1, wherein the user'"'"'s personal information, payment information and shipping information are maintained by the shipper and are not revealed.

7. The method as recited in claim 1, wherein the method is embodied in a machine-readable medium as a set of instructions which, when executed by a processor, cause the processor to perform the method.

8. A method comprising:

maintaining at a recipient account management engine a recipient account for a user, wherein the recipient account contains the user'"'"'s payment information and a shipping address;

receiving at the recipient account management engine a request from a provider for authorization of a purchase transaction associated with the recipient account;

determining that the payment information is sufficient to authorize payment;

sending authorization from the recipient account management engine to the provider;

having goods associated with the purchase transaction shipped to the shipping address associated with the recipient account.

9. The method as recited in claim 8, further comprising:

having the goods consolidated with other goods for delivery.

10. The method as recited in claim 8, further comprising:

having the goods delivered as part of a regularly scheduled delivery.

11. The method as recited in claim 8, further comprising:

conducting the purchase transaction on behalf of the user using pre-entered payment information.

12. The method as recited in claim 8, wherein the sending of the authorization includes sending pre-entered payment information.

13. The method as recited in claim 8, wherein the sending of the authorization includes sending credit card information, wherein the credit card information is unverified.

14. The method as recited in claim 8, wherein the determining that the payment information is sufficient includes checking whether credit card information is available.

15. The method as recited in claim 8, wherein the shipping address is one of a plurality of pre-entered shipping addresses.

16. A method comprising:

constructing, via a consumer engine, a recipient account with a shipper, wherein the recipient account contains a user'"'"'s personal information, a plurality of payment options and a plurality of shipping addresses;

submitting, at the consumer engine, a transaction to a provider for purchasing of goods, wherein the transaction includes a recipient account identifier for receiving payment from the shipper;

upon receiving a notice of the transaction from the shipper, automatically selecting, by the consumer engine, a payment method from the plurality of payment options and a shipping address from the plurality of shipping addresses, wherein the payment method is used by the shipper to transfer the payment to the provide for purchasing of the goods, and the shipping address is utilized by the shipper for shipping the goods, the user'"'"'s personal information, the plurality of payment information and the plurality of shipping addresses are not revealed to the provider.

17. A system, comprising:

a recipient account admin engine to manage a plurality of recipient accounts, wherein each of the plurality of recipient accounts includes personal information, payment information and shipping addresses for a particular user;

a shipping transaction management engine coupled with the recipient account admin engine, the shipping transaction management engine is configured to

receive a recipient account identifier and a transaction from a provider for purchasing of goods,

retrieve a recipient account from the plurality of recipient accounts based on the recipient account identifier,

authenticate the provider and a holder of the recipient account;

upon authentication of the provider and the holder, transmit a payment confirmation based on the recipient account to the provider without revealing to the provider the recipient account'"'"'s personal information and payment information.

18. The system as recited in claim 17, wherein the shipping transaction management engine is further configured to:

provide one of the shipping addresses retrieved from the recipient account to a shipper for shipping the goods to the recipient account holder, without revealing the shipping addresses to the provider.

19. The system as recited in claim 17, wherein the shipping transaction management engine is further configured to:

transmit a first passcode to the holder for authenticating the provider, wherein the first passcode is to be transmitted by the holder to the provider;

receive a second passcode from the provider;

authenticate the provider by comparing the first passcode and the second passcode, wherein a match between the first passcode and the second passcode authenticates the provider.

20. The system as recited in claim 17, wherein the shipping transaction management engine is further configured to:

review shipping status for the goods delivered from the provider to the recipient account holder;

update the recipient account'"'"'s payment information without revealing the updated payment information to the provider;

reroute the goods to a different shipping address.

21. A method comprising:

constructing, at a recipient account management engine, a recipient account to store a shipping address and a delivery choice;

receiving a plurality of delivery transactions from one or more merchants, wherein each of the plurality of delivery transactions is to deliver goods purchased from one of the merchants;

providing the shipping address to facilitate shipping the goods to the shipping address;

providing the delivery choice to facilitate shipping the goods in accordance with the delivery choice;

managing the plurality of delivery transactions through the recipient account.

22. The method as recited in claim 21, further comprising:

coordinating with one of a plurality of shippers to delivery the goods for one or more of the plurality of delivery transactions to the shipping address.

23. The method as recited in claim 21, further comprising:

coordinating with one of a plurality of shippers to deliver the goods for one or more of the plurality of delivery transactions at a common time frame.

24. The method as recited in claim 21, further comprising:

changing delivery of goods for one or more of the plurality of delivery transactions to a different address.