System and method for generating and storing digital receipts for electronic shopping

• US 10,592,941 B2
• Filed: 02/13/2018
• Issued: 03/17/2020
• Est. Priority Date: 02/22/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Maenpaa, Pia, Kessler, Joshua, Moore, Jaclyn, Dallesandro, John, Chiola, Laurie, Kieran, Erin
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US15/895,370
• Publication Number:
  US 20180182003A1
• Time in Patent Office: 763 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text/field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet.

Claims

1. A method for generating and storing a digital receipt for purchases made using a digital wallet, the method performed by a processor executing instructions, the method comprising:

initiating a purchase transaction at a point of sale (POS) terminal of a merchant between the merchant and a customer with a user device that has a digital wallet application program;

receiving, by the POS from the user device, in a communication between the user device and the POS terminal, payment information from the digital wallet to complete the purchase transaction and a unique address of a digital receipt repository for the digital wallet in the form of an internet uniform resource locator (URL), wherein the user device and POS terminal comprise circuitry to effect the communication by at least one method selected from the group consisting of;

near field communication (NFC), a communicated quick response (QR) code, and Bluetooth communication;

in response to completing the purchase transaction, generating the digital receipt for the purchase transaction by the POS device, the data of the digital receipt being stored in a plurality of data fields as actionable, text searchable data;

transmitting the digital receipt directly from the POS terminal to the URL of the digital receipt repository using the URL; and

granting the customer access via the digital wallet application program to the digital receipt via the URL.

2. The method of claim 1, wherein the POS terminal is in communication with a payment network.

3. The method of claim 1, wherein the transmitting of the digital receipt is direct to the URL.

4. The method of claim 1,

wherein the POS terminal is in communication with a payment network, and

wherein the transmitting of the digital receipt is from the POS terminal to the payment network and then to the URL.

5. The method of claim 1, further comprising:

organizing the content of the receipt for searching and displaying on the user device.

6. The method of claim 1, further comprising:

sending a copy of the digital receipt from the digital wallet to a specified e-mail address.

7. The method of claim 1, further comprising:

sending a copy of the digital receipt from the POS terminal to a specified e-mail address.

8. The method of claim 1, further comprising:

adding a digital coupon to the digital receipt by the merchant.

9. The method of claim 1,

wherein the digital receipt is a plurality of digital receipts and the receipts are for a single credit card.

10. The method of claim 9, further comprising:

analyzing the digital receipts;

generating a report of spending and taxes paid, on a daily, weekly, monthly, and yearly basis based on the analysis; and

displaying the report on the user device.

11. The method of claim 1, further comprising:

storing warranty information for the purchase transaction with the digital receipt; and

displaying an alert on the user device when the warranty for the purchase transaction is about to expire.

12. The method of claim 1, wherein the digital receipt has data fields that are in a text searchable format.

13. The method of claim 12, further comprising:

processing data in the data fields so that the data can be displayed, organized, manipulated, and categorized.

14. The method of claim 12, further comprising:

generating an analytic using information from the data fields, wherein the analytic is at least one analytic selected from the group consisting of;

a graph, pie chart, a list of top ten categories, and an animation; and

displaying the analytic on the user device.

15. The method of claim 12, further comprising:

annotating the digital receipt with a searchable tag.