SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS

• US 20120221421A1
• Filed: 02/28/2012
• Published: 08/30/2012
• 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
• Granted Patent: US 9,773,212 B2
• Time in Patent Office: Days
• US Class Current: 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 a 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 secure anonymous transaction processor-implemented method, comprising:

obtaining an anonymous user transaction authorization request at a computing device, to process a purchase order;

generating dynamically, via a processor, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request;

generating an anonymized card authorization request for processing the purchase order; and

providing the anonymized card authorization request for processing the purchase order.

2. The method of claim 1, further comprising:

obtaining a purchase notification for the anonymized purchase order; and

providing a real-time notification for the user of the purchase notification.

3. The method of claim 1, further comprising:

obtaining notification of a shipment related to the anonymized purchase order to an anonymized address; and

providing an anonymized identifier to facilitate generating a shipment order to re-route the shipment from the anonymized address to an actual shipment address of the user.

4. The method of claim 3, wherein the shipment order is a shipment request provided to a shipper of purchase order items and wherein the shipment order includes the anonymized identifier associated with the anonymized card authorization request and anonymized card data, and wherein the anonymized identifier may be used by the shipper to obtain the actual shipment address, wherein the shipper may use the anonymized identifier to request the actual shipment address.

5. The method of claim 1, further comprising:

obtaining a secure anonymous transaction user authentication request;

verifying the authenticity of a user, using the secure anonymous transaction user authentication request; and

wherein providing the anonymized card authorization request for processing the purchase order is contingent upon verifying the authenticity of the user.

6. The method of claim 5, wherein the user device utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

7. The method of claim 1, wherein the computing device is a user mobile device executing a virtual wallet application to provide the user transaction authorization input.

8. The method of claim 7, wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymous card data when it is activated.

9. The method of claim 7, wherein the user mobile device includes the processor.

10. The method of claim 1, wherein the computing device is a server associated with a payment network.

11. The method of claim 1, wherein the computing device is a point-of-sale terminal.

12. The method of claim 11, wherein the point-of-sale terminal obtains user transaction authorization input from a user mobile device.

13. The method of claim 1, wherein the one-time anonymous card data includes an account number and a card verification value number.

14. The method of claim 1, wherein the one-time anonymous card data is generated using random number generation.

15. The method of claim 1, wherein the one-time anonymous card data is generated using an encryption procedure.

16. The method of claim 1, wherein the user transaction authorization input includes an identification of a plurality of payment accounts.

17. The method of claim 16, wherein the one-time anonymous card data includes a single anonymous account number.

18. The method of claim 1, wherein the purchase order includes an identification of products for purchase from a plurality of merchants.

19. The method of claim 18, wherein the one-time anonymous card data includes a plurality of anonymous account numbers.

20. The method of claim 1, wherein the generated anonymized card authorization is a proxy request to charge one or more underlying payment accounts.

21. A secure anonymous transaction means, comprising means for:

obtaining an anonymous user transaction authorization request at a computing device, to process a purchase order;

generating dynamically, via a processor, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request;

generating an anonymized card authorization request for processing the purchase order; and

providing the anonymized card authorization request for processing the purchase order.

22. The means of claim 21, further comprising means for:

obtaining a purchase notification for the anonymized purchase order; and

providing a real-time notification for the user of the purchase notification.

23. The means of claim 21, further comprising means for:

obtaining notification of a shipment related to the anonymized purchase order to an anonymized address; and

providing an anonymized identifier to facilitate generating a shipment order to re-route the shipment from the anonymized address to an actual shipment address of the user.

24. The means of claim 23, wherein the shipment order is a shipment request provided to a shipper of purchase order items and wherein the shipment order includes the anonymized identifier associated with the anonymized card authorization request and anonymized card data, and wherein the anonymized identifier may be used by the shipper to obtain the actual shipment address, wherein the shipper may use the anonymized identifier to request the actual shipment address.

25. The means of claim 21, further comprising means for:

obtaining a secure anonymous transaction user authentication request;

verifying the authenticity of a user, using the secure anonymous transaction user authentication request; and

wherein providing the anonymized card authorization request for processing the purchase order is contingent upon verifying the authenticity of the user.

26. The means of claim 25, wherein the user device utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

27. The means of claim 21, wherein the computing device is a user mobile device executing a virtual wallet application to provide the user transaction authorization input.

28. The means of claim 27, wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymous card data when it is activated.

29. The means of claim 27, wherein the user mobile device includes the processor.

30. The means of claim 21, wherein the computing device is a server associated with a payment network.

31. The means of claim 21, wherein the computing device is a point-of-sale terminal.

32. The means of claim 31, wherein the point-of-sale terminal obtains user transaction authorization input from a user mobile device.

33. The means of claim 21, wherein the one-time anonymous card data includes an account number and a card verification value number.

34. The means of claim 21, wherein the one-time anonymous card data is generated using random number generation.

35. The means of claim 21, wherein the one-time anonymous card data is generated using an encryption procedure.

36. The means of claim 21, wherein the user transaction authorization input includes an identification of a plurality of payment accounts.

37. The means of claim 36, wherein the one-time anonymous card data includes a single anonymous account number.

38. The means of claim 21, wherein the purchase order includes an identification of products for purchase from a plurality of merchants.

39. The means of claim 38, wherein the one-time anonymous card data includes a plurality of anonymous account numbers.

40. The means of claim 21, wherein the generated anonymized card authorization is a proxy request to charge one or more underlying payment accounts.

41. A secure anonymous transaction system, comprising:

a processor; and

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

obtain an anonymous user transaction authorization request at a computing device, to process a purchase order;

generate dynamically, via the processor, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request;

generate an anonymized card authorization request for processing the purchase order; and

provide the anonymized card authorization request for processing the purchase order.

42. The system of claim 41, the memory further storing instructions to:

obtain a purchase notification for the anonymized purchase order; and

provide a real-time notification for the user of the purchase notification.

43. The system of claim 41, the memory further storing instructions to:

obtain notification of a shipment related to the anonymized purchase order to an anonymized address; and

provide an anonymized identifier to facilitate generating a shipment order to re-route the shipment from the anonymized address to an actual shipment address of the user.

44. The system of claim 43, wherein the shipment order is a shipment request provided to a shipper of purchase order items and wherein the shipment order includes the anonymized identifier associated with the anonymized card authorization request and anonymized card data, and wherein the anonymized identifier may be used by the shipper to obtain the actual shipment address, wherein the shipper may use the anonymized identifier to request the actual shipment address.

45. The system of claim 41, the memory further storing instructions to:

obtain a secure anonymous transaction user authentication request;

verify the authenticity of a user, using the secure anonymous transaction user authentication request; and

wherein providing the anonymized card authorization request for processing the purchase order is contingent upon verifying the authenticity of the user.

46. The system of claim 45, wherein the user device utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

47. The system of claim 41, wherein the computing device is a user mobile device executing a virtual wallet application to provide the user transaction authorization input.

48. The system of claim 47, wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymous card data when it is activated.

49. The system of claim 47, wherein the user mobile device includes the processor.

50. The system of claim 41, wherein the computing device is a server associated with a payment network.

51. The system of claim 41, wherein the computing device is a point-of-sale terminal.

52. The system of claim 51, wherein the point-of-sale terminal obtains user transaction authorization input from a user mobile device.

53. The system of claim 41, wherein the one-time anonymous card data includes an account number and a card verification value number.

54. The system of claim 41, wherein the one-time anonymous card data is generated using random number generation.

55. The system of claim 41, wherein the one-time anonymous card data is generated using an encryption procedure.

56. The system of claim 41, wherein the user transaction authorization input includes an identification of a plurality of payment accounts.

57. The system of claim 56, wherein the one-time anonymous card data includes a single anonymous account number.

58. The system of claim 41, wherein the purchase order includes an identification of products for purchase from a plurality of merchants.

59. The system of claim 58, wherein the one-time anonymous card data includes a plurality of anonymous account numbers.

60. The system of claim 41, wherein the generated anonymized card authorization is a proxy request to charge one or more underlying payment accounts.

61. A processor-readable tangible medium storing processor-executable secure anonymous transaction instructions to:

obtain an anonymous user transaction authorization request at a computing device, to process a purchase order;

generate dynamically, via the processor, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request;

generate an anonymized card authorization request for processing the purchase order; and

provide the anonymized card authorization request for processing the purchase order.

62. The medium of claim 61, further storing instructions to:

obtain a purchase notification for the anonymized purchase order; and

provide a real-time notification for the user of the purchase notification.

63. The medium of claim 61, further storing instructions to:

obtain notification of a shipment related to the anonymized purchase order to an anonymized address; and

provide an anonymized identifier to facilitate generating a shipment order to re-route the shipment from the anonymized address to an actual shipment address of the user.

64. The medium of claim 63, wherein the shipment order is a shipment request provided to a shipper of purchase order items and wherein the shipment order includes the anonymized identifier associated with the anonymized card authorization request and anonymized card data, and wherein the anonymized identifier may be used by the shipper to obtain the actual shipment address, wherein the shipper may use the anonymized identifier to request the actual shipment address.

65. The medium of claim 61, further storing instructions to:

obtain a secure anonymous transaction user authentication request;

verify the authenticity of a user, using the secure anonymous transaction user authentication request; and

wherein providing the anonymized card authorization request for processing the purchase order is contingent upon verifying the authenticity of the user.

66. The medium of claim 65, wherein the user device utilizes a hardware chip operatively connected to the user device to verify the authenticity of the user.

67. The medium of claim 61, wherein the computing device is a user mobile device executing a virtual wallet application to provide the user transaction authorization input.

68. The medium of claim 67, wherein the virtual wallet application provides a graphical user interface element configured to initiate generating the one-time anonymous card data when it is activated.

69. The medium of claim 67, wherein the user mobile device includes the processor.

70. The medium of claim 61, wherein the computing device is a server associated with a payment network.

71. The medium of claim 61, wherein the computing device is a point-of-sale terminal.

72. The medium of claim 71, wherein the point-of-sale terminal obtains user transaction authorization input from a user mobile device.

73. The medium of claim 61, wherein the one-time anonymous card data includes an account number and a card verification value number.

74. The medium of claim 61, wherein the one-time anonymous card data is generated using random number generation.

75. The medium of claim 61, wherein the one-time anonymous card data is generated using an encryption procedure.

76. The medium of claim 61, wherein the user transaction authorization input includes an identification of a plurality of payment accounts.

77. The medium of claim 76, wherein the one-time anonymous card data includes a single anonymous account number.

78. The medium of claim 61, wherein the purchase order includes an identification of products for purchase from a plurality of merchants.

79. The medium of claim 78, wherein the one-time anonymous card data includes a plurality of anonymous account numbers.

80. The medium of claim 61, wherein the generated anonymized card authorization is a proxy request to charge one or more underlying payment accounts.