Item-level information collection for interactive payment experience

• US 10,726,399 B2
• Filed: 04/28/2017
• Issued: 07/28/2020
• Est. Priority Date: 05/19/2014
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Block, Inc. (f/k/a Square, Inc.)
• Inventors: Aaron, Paul, Brock, Zachary
• Primary Examiner(s): Obaid, Fateh M
• Application Number:
  US15/582,300
• Publication Number:
  US 20180150807A1
• Time in Patent Office: 1,187 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.

Claims

1. A method comprising:

maintaining, at a first computer system of a merchant, a database identifying financial accounts associated with an interactive payment experience service;

receiving, from a second computer system of the interactive payment experience service, first data representing an update to the database, the first data indicating that a financial account of a user is associated with the interactive payment experience service;

receiving, at the first computer system, a first request to initiate a payment transaction associated with the financial account;

sending, from the first computer system to the second computer system, second data indicating that the payment transaction has been initiated;

generating transaction information associated with the payment transaction;

sending the transaction information from the first computer system to a third computer system of a card payment network system, wherein sending the transaction information is part of a payment transaction message flow between the merchant and the card payment network system;

receiving, at the first computer system, an indication that the payment transaction is authorized;

generating, based at least in part on the financial account being associated with the interactive payment experience and receiving the indication, item-level information about at least one of good or services associated with the payment transaction;

sending the item-level information from the first computer system to the second computer system;

receiving, at the second computer system and from the first computer system, the item-level information;

generating a second request for a digital transaction receipt that indicates the at least one of the goods or the services;

sending the second request from the first computer system to the second computer system;

generating, at the second computer system and based at least in part on receiving the item-level information, the digital transaction receipt; and

transmitting, from the second computer system to a mobile device associated with the user, the digital transaction receipt.

2. The method of claim 1, wherein the indication comprises a first indication, and wherein the first request is based at least in part on receiving a second indication that a payment object has been swiped through a card reader associated with the first computer system.

3. The method of claim 1, further comprising receiving, at the first computing device and based at least in part on completing the payment transaction, a process fee discount in exchange for the item-level information.

4. The method of claim 1, further comprising:

receiving, at the first computing system and from the second computer system, a service confirmation code confirming that the merchant has supplied the item-level information;

sending, from the first computing system, the service confirmation code to the card payment network system; and

receiving, based at least in part on the service confirmation code, a processing fee discount for the payment transaction.

5. The method of claim 1, wherein the indication comprises a first indication, the digital transaction receipt comprises an interactive interface that enables the user to specify a gratuity amount, the method further comprising:

receiving, at the first computing system and from the mobile device, a second indication of the gratuity amount; and

sending, from the first computer system to the second computer system and based at least in part on receiving the second indication, third data representing a request to adjust a total payment amount of the payment transaction.