Catherine Ann Black

US Patent:

20030023541, Jan 30, 2003

Filed:

Jun 3, 2002

Appl. No.:

10/162282

Inventors:

Catherine Black - Scottsdale AZ, US
Diane Farrell - Phoenix AZ, US
Chin Khor - Glendale AZ, US
Vernon Marshall - Montclair, CA
Sandeep Sacheti - Jersey City NJ, US
Tracy Steiner - Phoenix AZ, US

Assignee:

American Express Travel Related Services Company, Inc.

International Classification:

G06F017/60

US Classification:

705/037000

Abstract:

The present invention provides systems and methods for global address verification of a transaction, such as a transaction card purchase. In accordance with an exemplary embodiment of the present invention, the system verifies a billing address and/or an alternate address (e.g., shipping address) in a single transaction. The billing address and/or the alternate address are associated with a transaction card purchaser. If the billing and/or alternate addresses are verified, then the transaction card issuer may offer a payment guarantee to the merchant. The merchant may choose to ship the purchased item to either a billing address or an alternate address. If the address is not verified, then the transaction card issuer may choose not to offer a payment guarantee to the merchant, and the merchant may choose not to ship the item to the alternate address.

US Patent:

20070174208, Jul 26, 2007

Filed:

Dec 21, 2006

Appl. No.:

11/614691

Inventors:

Catherine Black - Mesa AZ, US
Glade Erikson - Glendale AZ, US
Diane Farrell - Phoenix AZ, US
Chin Khor - Glendale AZ, US
Vernon Marshall - Montclair NJ, US
Sandeep Sacheti - Edison NJ, US
Tracy Steiner - Phoenix AZ, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 99/00

US Classification:

705075000

Abstract:

The present invention provides a system and method for mitigating identity theft risk by restricting shipment of merchandise purchased with instant credit to a verified address. Customer authentication information associated with instant credit is identified. The customer authentication information is verified. Shipment of merchandise purchased with the instant credit is restricted to a verified address to mitigate identity theft risk.