US 11,954,679 B2
System and method for implementing enhanced payment on delivery
Sam Hamilton, Los Altos, CA (US); Akon Samir Dey, Foster City, CA (US); Vaibhav Prakash Gajre, Austin, TX (US); and Veerabhadraiah Lingadhalli Matadha, Austin, TX (US)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Jun. 28, 2022, as Appl. No. 17/851,233.
Prior Publication US 2023/0419320 A1, Dec. 28, 2023
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/02 (2013.01)] 5 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, from a user of a user device, a request for an authorization-by-proxy payment on delivery (POD);
requesting, at the user device, the user identify an authorized proxy for the authorization-by-proxy POD;
generating an authorization-by-proxy code based upon buyer-controlled payment control parameters, wherein a buyer associated with the buyer-controlled payment control parameters is the user of the user device;
using the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD;
pre-authorizing, at shipment time of merchandise associated with the authorization-by-proxy POD, a hold on a monetary amount associated with an order of the merchandise associated with the authorization-by-proxy POD, wherein the authorization-by-proxy code is configured to allow the authorized proxy to pay for and receive merchandise associated with the authorization-by-proxy POD after the user unblocks use of the authorization-by-proxy code and wherein the payment is processed when the authorized proxy provides the authorization-by-proxy code to a deliverer of the merchandise associated with the authorization-by-proxy POD; and
receiving a notification of shipment of the merchandise associated with the authorization-by-proxy POD, the notification indicative of a time to provide the authorization-by-proxy code to the authorized proxy, wherein the authorization-by-proxy code is a restricted virtual account number.