公开(公告)号：US20190197531A1

公开(公告)日：2019-06-27

申请号：US16313845

申请日：2017-06-29

Applicant: VOCALINK LIMITED

Inventor： Sunil PEENIKAL ,  Sudarshan THALENJERI

IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q10/08

CPC classification number: G06Q20/385 ,  G06Q10/0838 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/425 ,  G06Q30/0635

Abstract: The present disclosure relates to a secure method of providing a delivery address during a tokenized payment transaction scheme. A consumer places an order with a merchant without providing a delivery address. A distributor that collects payments due to the merchant requests a payment identification code and a delivery address from a payment agent. The request includes payment information. The payment agent generates and stores a payment identification code along with the payment information, and sends the code to the consumer via the distributor. The consumer forwards the code to a financial institution for forwarding to the payment agent who returns the payment information along with a request for a delivery address. The consumer may respond by authorizing the payment and by providing a delivery address. The financial institution then arranges the payment to the merchant and sees that the merchant receives the delivery address.