Purchase financing via an interactive digital receipt
First Claim
1. A computer-implemented method comprising:
- receiving, by a payment processing system via a mobile point-of-sale (POS) terminal, an indication of a payment transaction between a customer and a merchant, the mobile POS terminal configured to run a register application configured to receive an input from the merchant indicating a purchase by the customer and receive payment card information from a payment card reader coupled with the mobile POS terminal to facilitate a transfer of funds from the customer to the merchant for the purchase, wherein the indication of the payment transaction includes the payment card information;
storing, by the payment processing system, the payment card information;
generating, by the payment processing system, a digital receipt for sending to a mobile device associated with the customer, the digital receipt indicating completion of the payment transaction between the customer and the merchant;
transmitting, by the payment processing system, the digital receipt to the mobile device associated with the customer after the completion of the payment transaction between the customer and the merchant, wherein, when presented on the mobile device, the digital receipt includes an offer for the customer to receive financing from the payment processing system to finance a payment amount paid by the customer for the completed payment transaction, wherein a finance payment component of the digital receipt allows the customer to accept the offer to finance the payment amount;
receiving, by the payment processing system, an acceptance of the offer to finance the payment amount via the digital receipt;
in response to receiving the acceptance of the offer to finance the payment amount, depositing, by the payment processing system, the payment amount into an account of the merchant; and
transmitting, by the payment processing system, a plurality of payment operation requests, according to the repayment terms included with the offer to finance the payment amount, to a bank payment system or a card payment network to cause the processing of a plurality of payments smaller than the payment amount using the payment card information until the payment amount is repaid.
2 Assignments
0 Petitions
Accused Products
Abstract
A computer-implemented method includes receiving an indication of a payment transaction between a customer and a merchant by a payment processing system via a mobile point-of-sale (POS) terminal and generating as part of the payment transaction, an interactive digital receipt to be sent to a mobile device associated with the customer. The interactive digital receipt includes an indication of a payment amount associated with the payment transaction and an offer to finance the payment amount and is transmitted by the payment processing system to the mobile device associated with the customer, the receipt having an interactive finance payment component that allows the customer to accept the offer to finance the payment amount. The method further includes receiving an acceptance of the offer to finance the payment amount via the interactive receipt, and receiving repayment from the customer according to repayment terms included in the offer.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving, by a payment processing system via a mobile point-of-sale (POS) terminal, an indication of a payment transaction between a customer and a merchant, the mobile POS terminal configured to run a register application configured to receive an input from the merchant indicating a purchase by the customer and receive payment card information from a payment card reader coupled with the mobile POS terminal to facilitate a transfer of funds from the customer to the merchant for the purchase, wherein the indication of the payment transaction includes the payment card information; storing, by the payment processing system, the payment card information; generating, by the payment processing system, a digital receipt for sending to a mobile device associated with the customer, the digital receipt indicating completion of the payment transaction between the customer and the merchant; transmitting, by the payment processing system, the digital receipt to the mobile device associated with the customer after the completion of the payment transaction between the customer and the merchant, wherein, when presented on the mobile device, the digital receipt includes an offer for the customer to receive financing from the payment processing system to finance a payment amount paid by the customer for the completed payment transaction, wherein a finance payment component of the digital receipt allows the customer to accept the offer to finance the payment amount; receiving, by the payment processing system, an acceptance of the offer to finance the payment amount via the digital receipt; in response to receiving the acceptance of the offer to finance the payment amount, depositing, by the payment processing system, the payment amount into an account of the merchant; and transmitting, by the payment processing system, a plurality of payment operation requests, according to the repayment terms included with the offer to finance the payment amount, to a bank payment system or a card payment network to cause the processing of a plurality of payments smaller than the payment amount using the payment card information until the payment amount is repaid. - View Dependent Claims (2, 3, 4)
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5. A computer-implemented method comprising:
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receiving, by a payment processing system via a mobile point-of-sale (POS) terminal, an indication of a payment transaction between a customer and a merchant, wherein the indication of the payment transaction includes an indication of an identity of the customer; generating, by the payment processing system, a digital receipt for sending to a mobile device associated with the customer, the digital receipt indicating completion of the payment transaction between the customer and the merchant; transmitting, by the payment processing system, the digital receipt to the mobile device associated with the customer after the completion of the payment transaction between the customer and the merchant, wherein, when presented on the mobile device, the digital receipt includes an offer for the customer to receive financing from the payment processing system to finance at least a portion of a payment amount paid by the customer for the completed payment transaction, wherein a finance payment component of the digital receipt allows the customer to accept the offer to finance at least the portion of the payment amount; receiving, by the payment processing system, an acceptance to finance a financed amount corresponding to at least the portion of the payment amount offered to be financed via the digital receipt; and transmitting, by the payment processing system, an operation request to a bank payment system or a card payment network for repayment from the customer for the financed amount according to repayment terms included with the offer to finance at least the portion of the payment amount. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12)
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13. A payment processing system comprising:
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a processor; and a memory storing instructions that, when executed by the computer processor, cause the computer processor to perform operations including; receiving, via a mobile point-of-sale (POS) terminal, payment information for a POS transaction between a customer and a merchant; generating, as part of the POS transaction, a digital receipt for sending to a computing device associated with the customer, the digital receipt indicating completion of the POS transaction between the customer and the merchant, and including an indication of a transaction amount associated with the POS transaction; transmitting the digital receipt to the computing device associated with the customer after the completion of the POS transaction between the customer and the merchant, wherein, when presented on the computing device associated with the customer, the digital receipt includes an offer for the customer to receive financing from the payment processing system to finance the transaction amount paid by the customer for the completed POS transaction, wherein a component of the digital receipt allows the customer to accept the offer to finance the transaction amount; receiving an acceptance of the offer to finance the transaction amount via the digital receipt; and receiving repayment from the customer according to repayment terms included with the offer to finance the transaction amount. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification