Secure anonymous transaction apparatuses, methods and systems
First Claim
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 and an associated one-time anonymous card generation component of a pay network server, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request by generating random numeric or alphanumeric sequences for each field of the one-time anonymous card data;
generating, by the pay network server, an anonymized card authorization request for processing the purchase order with an anonymized address;
providing, by the pay network server to a merchant computer, the anonymized card authorization request for processing the purchase order;
obtaining, by the pay network server, notification of a shipment related to the anonymized purchase order to the anonymized address; and
providing, by the pay network server to a shipper, 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,wherein the shipment order is a shipment request provided to the 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 using an encrypted request message that is verified by the processor.
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Accused Products
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.
516 Citations
72 Claims
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1. A secure anonymous transaction processor-implemented method, comprising:
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obtaining an anonymous user transaction authorization request at a computing device, to process a purchase order; generating dynamically, via a processor and an associated one-time anonymous card generation component of a pay network server, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request by generating random numeric or alphanumeric sequences for each field of the one-time anonymous card data; generating, by the pay network server, an anonymized card authorization request for processing the purchase order with an anonymized address; providing, by the pay network server to a merchant computer, the anonymized card authorization request for processing the purchase order; obtaining, by the pay network server, notification of a shipment related to the anonymized purchase order to the anonymized address; and providing, by the pay network server to a shipper, 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, wherein the shipment order is a shipment request provided to the 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 using an encrypted request message that is verified by the processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A secure anonymous transaction means, comprising means for:
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obtaining an anonymous user transaction authorization request at a computing device, to process a purchase order; generating dynamically, via a processor and an associated one-time anonymous card generation component of a pay network server, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request by generating random numeric or alphanumeric sequences for each filed of the one-time anonymous card data; generating, by the pay network server, an anonymized card authorization request for processing the purchase order with an anonymized address; providing, by the pay network server to a merchant computer, the anonymized card authorization request for processing the purchase order; obtaining, by the pay network server, notification of a shipment related to the anonymized purchase order to the anonymized address; and providing, by the pay network server to a shipper, 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, wherein the shipment order is a shipment request provided to the 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 using an encrypted request message that is verified by the processor. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A secure anonymous transaction system, comprising:
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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 and an associated one-time anonymous card generation component of the secure anonymous transaction system, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request by generating random numeric or alphanumeric sequences for each field of the one-time anonymous card data; generate an anonymized card authorization request for processing the purchase order with an anonymized address; provide, to a merchant computer, the anonymized card authorization request for processing the purchase order obtain notification of a shipment related to the anonymized purchase order to the anonymized address; and provide, to a shipper, 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, wherein the shipment order is a shipment request provided to the 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 using an encrypted request message that is verified by the processor. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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55. A processor-readable non-transitory medium storing processor-executable secure anonymous transaction instructions to:
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obtain an anonymous user transaction authorization request at a computing device, to process a purchase order; generate dynamically, via the processor and an associated one-time anonymous card generation component of a pay network server, one-time anonymous card data for processing the purchase order in real-time, using the anonymous user transaction authorization request by generating random numeric or alphanumeric sequences for each field of the one-time anonymous card data; generate, by the pay network server, an anonymized card authorization request for processing the purchase order with an anonymized address; provide, by the pay network server to a merchant computer, the anonymized card authorization request for processing the purchase order; obtain, by the pay network server, notification of a shipment related to the anonymized purchase order to the HAN anonymized address; and provide, by the pay network server to a shipper, 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, wherein the shipment order is a shipment request provided to the 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 using an encrypted request message that is verified by the processor. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72)
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Specification