System and method for collecting and distributing digital receipts

• US 10,026,065 B2
• Filed: 04/17/2017
• Issued: 07/17/2018
• Est. Priority Date: 01/21/2011
• Status: Active Grant

• Current Assignee: Integrated Bank Technology, Inc.
• Original Assignee: Integrated Bank Technology, Inc.
• Inventors: Capel, Charles W., Kunze, Joel
• Primary Examiner(s): Niquette, Robert R
• Assistant Examiner(s): KING JR., JOSEPH W
• Application Number:
  US15/488,981
• Publication Number:
  US 20170221020A1
• Time in Patent Office: 456 Days
• Field of Search: None
• CPC Class Codes: G06F 15/16 Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs coordinating program control therefor G06F9/52; in regulating and control system G05B
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]

Abstract

According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network.

Claims

1. A method for coordinating provision of a digital receipt associated with a financial transaction involving a customer, the method comprising:

generating, by an acquirer, a digital receipt corresponding to the financial transaction;

generating, by the acquirer, an identifier corresponding to the digital receipt, wherein the identifier uniquely identifies the digital receipt;

transmitting, by the acquirer, the digital receipt and the identifier to a digital receipt server via the internet;

transmitting, by the acquirer, the identifier to an issuer via an electronic funds transfer (“

EFT”

) network using messaging compliant with ISO 8583;

transmitting, by the issuer, an inquiry and the identifier to the digital receipt server via the internet; and

in response to the inquiry, receiving, at the issuer, information contained in the digital receipt from the digital receipt server via the internet.

2. The method of claim 1, wherein the information contained in the digital receipt digital receipt includes an itemized list of costs for a plurality of different items.

3. The method of claim 1, further comprising transmitting, from the issuer, the information contained in the digital receipt to a device associated with the customer.

4. The method of claim 1, wherein a bandwidth of the internet is greater than a bandwidth of the EFT network.

5. A method for coordinating provision of a digital receipt associated with a financial transaction, the method comprising:

generating, by an acquirer, a digital receipt corresponding to a financial transaction with a customer;

generating, by the acquirer, an identifier corresponding to the digital receipt, wherein the identifier uniquely identifies the digital receipt;

transmitting, by the acquirer, the digital receipt and the identifier to a digital receipt server via the internet;

transmitting, by the acquirer, the identifier to an issuer via an electronic funds transfer (“

EFT”

) network using messaging compliant with ISO 8583, wherein the digital receipt is not transmitted by the acquirer to the issuer;

transmitting, by the issuer, an inquiry and the identifier to the digital receipt server via the internet; and

in response to the inquiry, receiving, at the issuer, information contained in the digital receipt from the digital receipt server via the internet.

6. The method of claim 5, wherein the information contained in the digital receipt includes an itemized list of costs for a plurality of different items.

7. The method of claim 5, further comprising transmitting, from the issuer, the information contained in the digital receipt to a device associated with the customer.

8. The method of claim 5, wherein a bandwidth of the internet is greater than a bandwidth of the EFT network.

9. A system for coordinating provision of a digital receipt associated with a financial transaction involving a customer, the system comprising:

an acquirer configured to;

generate a digital receipt corresponding to the financial transaction;

generate an identifier corresponding to the digital receipt, wherein the identifier uniquely identifies the digital receipt;

transmit the digital receipt and the identifier to a digital receipt server via the internet; and

transmit the identifier to an issuer using messaging compliant with ISO 8583 via an electronic funds transfer (“

EFT”

) network; and

the issuer is configured to;

receive the identifier from the acquirer via the EFT network;

transmit an inquiry and the identifier to the digital receipt server via the internet; and

in response to transmitting the inquiry, receive information contained in the digital receipt from the digital receipt server via the internet.

10. The system of claim 9, wherein the information contained in the digital receipt includes an itemized list of costs for a plurality of different items.

11. The system of claim 9, wherein a bandwidth of the internet is greater than a bandwidth of the EFT network.