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

Claim 4:
5. A system, comprising:
a processor; and
a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code that:
receives, from a user of a user device, a request for an authorization-by-proxy payment on delivery (POD);
requests, at the user device, the user identify an authorized proxy for the authorization-by-proxy POD;
generates an authorization-by-proxy code based upon buyer-controlled payment control parameters;
uses the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD; and

pre-authorizes, 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 wherein a notification of shipment of the merchandise associated with the authorization-by-proxy POD is received by the system, the notification indicative of a time to provide the authorization-by-proxy code to the authorized proxy and wherein the authorization-by-proxy code is a virtual account number or a virtual phone number and the authorized proxy performs a scan of an invoice associated with merchandise upon delivery of the merchandise, the scan of the invoice being used to verify an authenticity of the merchandise being delivered.