Automatic address validation
First Claim
Patent Images
1. An address validation method, the method comprising:
- receiving, by one or more hardware processors from a merchant server associated with a merchant, a validation request for validating a combination of an account identifier and a subset of a postal address provided by an online buyer via a user device for a purchase with the merchant, the subset of the postal address including a postal zip code and an incomplete postal street name;
accessing, by the one or more hardware processors, a plurality of financial service accounts to search for a financial service account that is associated with the account identifier;
comparing, by the one or more hardware processors, the postal zip code and the incomplete postal street name against corresponding portions of one or more candidate addresses associated with the financial service account;
determining, by the one or more hardware processors, that the financial service account corresponds to the account identifier and that the subset of the postal address matches corresponding portions of at least one candidate address associated with the financial services account;
generating, by the one or more hardware processors, a response which indicates an authentication of the subset of the postal address in response to the determining;
transmitting, by the one or more hardware processors, the response to the merchant server;
in response to the authentication of the subset of the postal address, generating, by the one or more hardware processors, a token for the purchase using the combination of the account identifier and the subset of the postal address, the generated token indicating an authorization of using a combination of the subset of the postal address and the financial service account for the purchase;
transmitting, by the one or more hardware processors, the token to the merchant server;
receiving, by the one or more hardware processors from the user device of the online buyer, a payment transaction request including the token;
determining, by the one or more hardware processors, that the user device initiated the payment transaction request for the purchase with the merchant prior to the payment transaction request being redirected from the merchant server;
in response to receiving the payment transaction request from the user device and determining that the user device initiated the payment transaction request, providing, on the user device by the one or more hardware processors, a user interface for completing the purchase based on the payment transaction request, the user interface enabling the online buyer to select, from a plurality of funding sources associated with the financial service account, a funding source for the purchase and limiting the online buyer to use the at least one candidate address corresponding to the subset of the postal address from the token as a shipping address for the purchase; and
processing a purchase transaction between the merchant and the financial service account based on the selected funding source and the at least one candidate address.
1 Assignment
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Accused Products
Abstract
An identifier is received with a portion of a postal address. That portion is compared against multiple additional postal addresses associated with the identifier. If a match is detected, a confirmation is transmitted to a requestor who originally sent the identifier and the portion of the postal address.
27 Citations
20 Claims
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1. An address validation method, the method comprising:
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receiving, by one or more hardware processors from a merchant server associated with a merchant, a validation request for validating a combination of an account identifier and a subset of a postal address provided by an online buyer via a user device for a purchase with the merchant, the subset of the postal address including a postal zip code and an incomplete postal street name; accessing, by the one or more hardware processors, a plurality of financial service accounts to search for a financial service account that is associated with the account identifier; comparing, by the one or more hardware processors, the postal zip code and the incomplete postal street name against corresponding portions of one or more candidate addresses associated with the financial service account; determining, by the one or more hardware processors, that the financial service account corresponds to the account identifier and that the subset of the postal address matches corresponding portions of at least one candidate address associated with the financial services account; generating, by the one or more hardware processors, a response which indicates an authentication of the subset of the postal address in response to the determining; transmitting, by the one or more hardware processors, the response to the merchant server; in response to the authentication of the subset of the postal address, generating, by the one or more hardware processors, a token for the purchase using the combination of the account identifier and the subset of the postal address, the generated token indicating an authorization of using a combination of the subset of the postal address and the financial service account for the purchase; transmitting, by the one or more hardware processors, the token to the merchant server; receiving, by the one or more hardware processors from the user device of the online buyer, a payment transaction request including the token; determining, by the one or more hardware processors, that the user device initiated the payment transaction request for the purchase with the merchant prior to the payment transaction request being redirected from the merchant server; in response to receiving the payment transaction request from the user device and determining that the user device initiated the payment transaction request, providing, on the user device by the one or more hardware processors, a user interface for completing the purchase based on the payment transaction request, the user interface enabling the online buyer to select, from a plurality of funding sources associated with the financial service account, a funding source for the purchase and limiting the online buyer to use the at least one candidate address corresponding to the subset of the postal address from the token as a shipping address for the purchase; and processing a purchase transaction between the merchant and the financial service account based on the selected funding source and the at least one candidate address. - View Dependent Claims (2, 3, 4, 5, 6, 7, 14, 15, 16, 17)
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8. An address validation system, the address validation system comprising:
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a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising; receiving, from a merchant server associated with a merchant, a validation request to validate a combination of an account identifier and a subset of a postal address provided by an online buyer via a user device for a purchase with the merchant, the subset of the postal address including a postal zip code and an incomplete postal street name; determining, from a plurality of financial service accounts, a financial service account associated with the account identifier; comparing the postal zip code and the incomplete postal street name to corresponding portions of one or more postal addresses associated with the financial service account; determining that the subset of the postal address matches corresponding portions of at least one of the one or more postal addresses associated with the financial service account; generating a response indicating an authentication of the subset of the postal address in response to the determining; transmitting the response to the merchant server; in response to the authentication of the subset of the postal address, generating a token for the purchase, the token generated using the combination of the account identifier and the subset of the postal address for indicating an authorization of using a combination of the subset of the postal address and the financial service account for the purchase; transmitting the token to the merchant server; receiving, from the user device of the online buyer, a payment transaction request comprising the token; determining that the user device initiated the payment transaction request for the purchase with the merchant prior to the payment transaction request being redirected from the merchant server; in response to receiving the payment transaction request from the user device and determining that the user device initiated the payment transaction request, providing, on the user device, a user interface for completing the purchase based on the payment transaction request, the user interface enabling the online buyer to select, from a plurality of funding sources associated with the financial service account, a funding source for the purchase and limiting the online buyer to use the at least one of the one or more postal addresses corresponding to the subset of the postal address from the token as a shipping address for the purchase; and processing a purchase transaction between the merchant and the financial service account based on the selected funding source and the at least one of the one or more postal addresses. - View Dependent Claims (9, 10, 11, 18, 19)
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12. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
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receiving, from a merchant server associated with a merchant, a validation request for validating a combination of an account identifier and a subset of a postal address provided by an online buyer via a user device for a purchase with the merchant, the subset of the postal address including a postal zip code and an incomplete postal street name; accessing a plurality of financial service accounts to search for a financial service account associated with the account identifier; comparing the postal zip code and the incomplete postal street name to corresponding portions of one or more postal addresses associated with the financial service account associated with the account identifier; determining that the financial service account corresponds to the account identifier and that the subset of the postal address matches corresponding portions of at least one postal address associated with the financial service account; generating a response that indicates an authentication of the subset of the postal address in response to the determining; transmitting the response to the merchant server; in response to the authentication of the subset of the postal address, generating a token for the purchase based on the combination of the account identifier and the subset of the postal address, the generated token indicating an authorization of using a combination of the subset of the postal address and the financial service account for the purchase; transmitting the token to the merchant server; receiving, from the user device of the online buyer, a payment transaction request including the token; determining that the user device initiated the payment transaction request for the purchase with the merchant prior to the payment transaction request being redirected from the merchant server; in response to receiving the payment transaction request from the user device and determining that the user device initiated the payment transaction request, providing, on the user device, a user interface for completing the purchase based on the payment transaction request, the user interface enabling the online buyer to select, from a plurality of funding sources associated with the financial service account, a funding source for the purchase and limiting the online buyer to use the at least one postal address corresponding to the subset of the postal address from the token as a shipping address for the purchase; and processing a payment transaction between the merchant and the financial service account based on the selected funding source and the at least one postal address. - View Dependent Claims (13, 20)
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Specification