MERCHANT ALERTS INCORPORATING RECEIPT DATA

• US 20110145082A1
• Filed: 11/23/2010
• Published: 06/16/2011
• Est. Priority Date: 12/16/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman
• Application Number:
  US12/953,178
• Publication Number:
  US 20110145082A1
• Time in Patent Office: Days
• US Class Current: 705/24
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network 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 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0221 Re-usable coupons
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0237 at kiosk
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07G 5/00 : Receipt-giving machines cash registers giving receipts G07G1/00

Abstract

One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

Claims

1. A system comprising:

a server comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data; and

a consumer device in operative communication with the server.

2. A method comprising:

receiving an authorization request message for a transaction conducted by a consumer with a merchant;

sending the authorization request message to an issuer;

modifying an authorization response message using a server computer to include receipt preference data; and

sending the authorization response message comprising the receipt preference data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

3. The method of claim 2 further comprising:

receiving receipt data from the merchant; and

sending at least a portion of the receipt data to the consumer.

4. The method of claim 3 wherein the receipt data includes stock keeping units (SKUs).

5. The method of claim 3 wherein receipt data is received out of band.

6. The method of claim 2 wherein the server computer resides at a payment processing network.

7. The method of claim 2 further comprising determining whether the consumer is enrolled in a receipt program.

8. The method of claim 2 further comprising sending an alert message to a consumer device.

9. The method of claim 2 wherein receipt preference data includes delivery channel, receipt format, file type, and conditions for receipts.

10. The method of claim 9 wherein the receipt preference data is specified by the consumer.

11. The method of claim 2 further comprising receiving enrollment information for a consumer to enroll in an electronic receipt program.

12. The method of claim 2 further comprising receiving receipt output preferences from the merchant or a third party associated with the merchant.

13. A method comprising:

receiving receipt data from a plurality of merchants at a central server computer;

determining by the central server computer, how to process the receipt data according to receipt preference data provided by users; and

providing receipts to the users according to the receipt preference data.

14. The method of claim 13 wherein the receipt data is received via authorization request messages from the plurality of merchants.

15. The method of claim 13 wherein the receipt data includes SKU data.

16. The method of claim 13 wherein the receipt data is received in a batch mode.

17. A computer readable medium comprising:

computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 13.

18. A server computer comprising the processor;

and the computer readable medium of claim 17 coupled to the processor.

19. A method comprising:

providing receipt preference data;

conducting a transaction, wherein an authorization request message is subsequently received for the transaction conducted, the authorization request message is sent to an issuer, an authorization response message is modified to include receipt preference data, and the authorization response message comprising the receipt preference data is sent to a merchant, wherein the merchant generates a receipt according to the receipt preference data; and

receiving a receipt in a manner consistent with the receipt preference data provided.

20. A method comprising:

providing receipt preference data;

conducting a transaction, wherein receipt data for the transaction is subsequently received at a central server and the central server determines how to process the receipt data according to the receipt preference data; and

receiving a receipt according to the receipt preference data.

21. A method comprising:

receiving a participation request message wherein the participation request message comprises information associated with a consumer;

determining, using a server computer, whether the consumer is participating in a receipt program; and

if the consumer is participating in a receipt program, sending a participation response message that includes the consumer receipt preference data.

22. The method of claim 21 wherein the participation request message further comprises information associated with a merchant and wherein the method further comprises:

determining whether the merchant has any receipt preferences; and

if the merchant has receipt preferences, including the merchant receipt preferences in the participation response message.