Systems and methods to generate a receipt for a transaction
First Claim
1. A computer-implemented method, comprising:
- generating and sending, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler;
receiving, in the transaction handler, the authorization request from the transaction terminal;
determining, in the transaction handler, whether user-offer information is available to present to a user;
in response to determining the user-offer information is available to present to the user, generating and sending, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user;
receiving, in the transaction terminal, the authorization response;
determining, by the transaction terminal, whether the authorization response includes the receipt service indicator;
in response to a determination that the authorization response includes the receipt service indicator, generating, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user;
sending, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse;
in response to receiving the receipt request from the transaction terminal, retrieving, by the portal, the user-offer information available to present to the user from the data warehouse;
in response to retrieving the user-offer information available to present to the user from the data warehouse, generating, by the portal, a receipt response including the user-offer information to present to the user;
sending, by the portal, the receipt response to the transaction terminal; and
in response to receiving the receipt response from the portal, generating, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse.
1 Assignment
0 Petitions
Accused Products
Abstract
A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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generating and sending, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler; receiving, in the transaction handler, the authorization request from the transaction terminal; determining, in the transaction handler, whether user-offer information is available to present to a user; in response to determining the user-offer information is available to present to the user, generating and sending, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user; receiving, in the transaction terminal, the authorization response; determining, by the transaction terminal, whether the authorization response includes the receipt service indicator; in response to a determination that the authorization response includes the receipt service indicator, generating, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user; sending, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse; in response to receiving the receipt request from the transaction terminal, retrieving, by the portal, the user-offer information available to present to the user from the data warehouse; in response to retrieving the user-offer information available to present to the user from the data warehouse, generating, by the portal, a receipt response including the user-offer information to present to the user; sending, by the portal, the receipt response to the transaction terminal; and in response to receiving the receipt response from the portal, generating, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computing apparatus, comprising:
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at least one microprocessor; and memory storing instructions configured to instruct the at least one microprocessor to at least; generate and send, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler; receive, in the transaction handler, the authorization request from the transaction terminal; determine, in the transaction handler, whether user-offer information is available to present to a user; in response to determining the user-offer information is available to present to the user, generate and send, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user; receive, in the transaction terminal, the authorization response; determine, by the transaction terminal, whether the authorization response includes the receipt service indicator; in response to a determination that the authorization response includes the receipt service indicator, generate, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user; send, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse; in response to receiving the receipt request from the transaction terminal, retrieve, by the portal, the user-offer information available to present to the user from the data warehouse; in response to retrieving the user-offer information available to present to the user from the data warehouse, generate, by the portal, a receipt response including the user-offer information to present to the user; send, by the portal, the receipt response to the transaction terminal; and in response to receiving the receipt response from the portal, generate, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse. - View Dependent Claims (12, 13, 14, 15)
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16. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to at least:
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generate and send, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler; receive, in the transaction handler, the authorization request from the transaction terminal; determine, in the transaction handler, whether user-offer information is available to present to a user; in response to determining the user-offer information is available to present to the user, generate and send, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user; receive, in the transaction terminal, the authorization response; determine, by the transaction terminal, whether the authorization response includes the receipt service indicator; in response to a determination that the authorization response includes the receipt service indicator, generate, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user; send, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse; in response to receiving the receipt request from the transaction terminal, retrieve, by the portal, the user-offer information available to present to the user from the data warehouse; in response to retrieving the user-offer information available to present to the user from the data warehouse, generate, by the portal, a receipt response including the user-offer information to present to the user; send, by the portal, the receipt response to the transaction terminal; and in response to receiving the receipt response from the portal, generate, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse. - View Dependent Claims (17, 18, 19, 20)
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Specification