Receipt presentment systems and methods

• US 20050010505A1
• Filed: 07/07/2003
• Published: 01/13/2005
• Est. Priority Date: 07/07/2003
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Darrell, Richard A.
• Granted Patent: US 7,881,991 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00

Abstract

A method of presenting an image of a receipt to a consumer includes electronically capturing a receipt and storing the receipt at a host computer system. The method further includes receiving a request at the host computer system from a computer of the consumer to display the image of the receipt and transmitting an electronic file comprising the image of the receipt for display at the customer computer.

Claims

1. A method of presenting an image of a receipt to a consumer, comprising:

electronically capturing a receipt;

storing the receipt at a host computer system;

receiving a request at the host computer system from a computer of the consumer to display the image of the receipt; and

transmitting an electronic file comprising the image of the receipt for display at the customer computer.

2. The method of claim 1, wherein the receipt comprises a credit card receipt.

3. The method of claim 1, wherein the receipt comprises an image of the consumer'"'"'s signature.

4. The method of claim 1, wherein the receipt is printed on paper at a point of sale and electronically capturing comprises scanning an image of the receipt to an electronic file.

5. The method of claim 1, wherein electronically capturing comprises receiving a file from a point-of-sale device, wherein the file comprises an image of the customer'"'"'s signature.

6. The method of claim 1, wherein the file comprises programming that causes at least one credit card receipt item to appear as a selectable link to more detailed information about the item.

7. The method of claim 6, further comprising:

receiving a selection of the item from the customer;

consulting a database for information about the item; and

transmitting a file comprising the information to the customer.

8. The method of claim 1, further comprising:

receiving a request at the host computer from the consumer computer to display a categorical listing of items purchased by the consumer, wherein the items are comprised by a plurality of receipts;

for each of the plurality of receipts, consulting a database for information relating to each item of the receipt;

using the information to sort the items into categories; and

transmitting an electronic file from the host computer system to the consumer computer, wherein the file comprises a listing of the items sorted into at least one category for display at the consumer computer.

9. The method of claim 8, wherein the file comprises programming that causes at least one item to appear as a selectable link to more detailed information about the item.

10. The method of claim 8, further comprising receiving information from the consumer computer that defines the at least one category.

11. A system for presenting an image of a receipt to a consumer, comprising:

a host computer system; and

an interface through which the host computer system communicates with at least one consumer computer;

wherein the host computer system is programmed to;

receive an electronically-captured receipt;

store the receipt;

receive a request from a computer of the consumer to display the image of the receipt; and

transmit an electronic file comprising the image of the receipt for display at the customer computer.

12. The system of claim 11, wherein the receipt comprises a credit card receipt.

13. The system of claim 11, wherein the host computer system further comprises an image capture device configured to electronically capture receipt images.

14. The system of claim 13, wherein the image capture device is further configured to convert image information captured from a receipt into data, whereby the data may appear in an electronic image of the receipt as a selectable link relating to the data.

15. The system of claim 11, wherein the interface is configured to provide communication between the host computer system and at least one point-of-sale device.

16. The system of claim 11, further comprising a product information database for storing product information that is retrievable via an identifier relating to an item.

17. The system of claim 16, wherein the identifier is selected from the group consisting of UPC and SKU.

18. A system for presenting an image of a receipt to a consumer, comprising:

means for receiving an electronic image of a receipt;

means for storing the image;

means for receiving a request from a computer relating to the consumer to display the image; and

means for transmitting the image to the consumer computer.

19. The system according to claim 18, further comprising:

means for obtaining product information relating to an item on the receipt.

20. The system according to claim 19, further comprising means for categorizing a plurality of items on a receipt according to the product information.