APPARATUS, SYSTEM AND METHOD FOR PROVIDING ELECTRONIC RECEIPTS

• US 20120203644A1
• Filed: 03/14/2012
• Published: 08/09/2012
• Est. Priority Date: 09/14/2009
• Status: Abandoned Application

• Current Assignee: Royal Bank of Scotland Group PLC (Her Majesty's Treasury)
• Original Assignee: Royal Bank of Scotland Group PLC (Her Majesty's Treasury)
• Inventors: Phillips, Gareth
• Application Number:
  US13/419,823
• Publication Number:
  US 20120203644A1
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

An electronic receipt server comprises an interface, a data store, and a processor adapted, on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity, and on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.

Claims

1. An electronic receipt server comprising:

an interface;

a data store; and

a processor adapted;

on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity;

on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.

2. An electronic receipt server according to claim 1, wherein the electronic receipt comprises an image.

3. An electronic receipt server according to claim 1, wherein the processor is further configured to digitally sign the reference.

4. An electronic receipt server according to claim 1, wherein the processor is further configured to digitally sign the electronic receipt.

5. An electronic receipt server according to claim 1, wherein the receipt data comprises a payment card number and/or cardholder data associated with the customer purchase transaction, and the reference is generated on the basis of the payment card number.

19. A payment card comprising a processor chip storing the address of an electronic receipt server in accordance with claim 1.

6. An electronic point of sale system comprising:

a card reader adapted to read card details from a payment card; and

a terminal adapted to;

send receipt data associated with a customer purchase transaction to a first entity;

receive a reference associated with an electronic receipt corresponding to the customer purchase transaction from the first entity;

embed the reference in a message associated with the customer purchase transaction; and

send the message to a second entity.

7. An electronic point of sale system according to claim 6, wherein the terminal is further adapted determine the identity of the first entity on the basis of an address stored in the payment card.

8. An electronic point of sale system according to claim 6, wherein the terminal is further adapted to digitally sign the receipt data sent to the first entity.

9. An electronic point of sale system according to claim 6, wherein the first entity is an electronic receipt server comprising:

an interface;

a data store; and

a processor adapted;

on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity;

on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data

10. A method of generating an electronic receipt comprising:

receiving receipt data associated with a customer purchase transaction from a first entity;

generating a reference associated with the customer purchase transaction;

storing the receipt data in the data store in association with the reference; and

returning the reference to the first entity.

11. A method according to claim 10 further comprising:

receiving a request comprising the reference from a second entity; and

sending an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.

12. A method according to claim 11, wherein generating the electronic receipt comprises generating an image.

13. A method according to claim 10, wherein the method further comprises digitally signing the electronic receipt.

14. A method according to claim 10, wherein the receipt data comprises a payment card number and the reference is generated of the on the basis of the payment card number.

15. A method of processing a customer purchase transaction comprising:

reading card details from a payment card;

sending receipt data associated with a customer purchase transaction to a first entity;

receiving a reference associated with an electronic receipt corresponding to the customer purchase transaction from the first entity;

embedding the reference in a message associated with the customer purchase transaction; and

sending the message to a second entity.

16. A method according to claim 15, wherein the method further comprises determining the identity of the first entity on the basis of an address stored in the payment card.

17. A method according to claim 15, wherein the method further comprises digitally signing the receipt data sent to the first entity.

18. A method according to claim 15, wherein the first entity is an electronic receipt server comprising:

an interface;

a data store; and

a processor adapted;

on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity;

on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.

20. An e-commerce point of sale server adapted to:

receive card details from a payment card;

send receipt data associated with a customer purchase transaction to a first entity;

receive a reference associated with an electronic receipt corresponding to the customer purchase transaction from the first entity;

embed the reference in a message associated with the customer purchase transaction; and

send the message to a second entity.