Patent ID: 11954679
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
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.