Payment Transaction Receipt System and Method

• US 20130221093A1
• Filed: 11/05/2012
• Published: 08/29/2013
• Est. Priority Date: 02/28/2012
• Status: Active Grant

• Current Assignee: Barclays Execution Services Ltd. (Barclays PLC)
• Original Assignee: Barclays Bank PLC (Barclays PLC)
• Inventors: Patel, Pratik, Gardiner, James
• Granted Patent: US 8,985,445 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system.

Claims

1. A payment transaction system, comprising:

a merchant system including a merchant mobile electronic device that processes a payment transaction and a merchant authentication terminal that verifies an authentication token before settling the payment transaction;

a transaction receipt portal system remote from the merchant system, the transaction receipt portal system stores receipt data for a completed payment transaction received from the merchant system, the receipt data being associated with a customer and a merchant registered with the payment transaction system; and

a computing device that receives an electronic receipt from the merchant system, whereby the electronic receipt includes data for retrieving stored receipt data associated with the electronic receipt from the transaction receipt portal system.

2. The system of claim 1, wherein the electronic receipt includes a network address of the transaction receipt portal system and an identifier associated with the stored receipt data.

3. The system of claim 2, further including a web server module hosting a web site for providing access to the stored receipt data and wherein the electronic receipt includes an electronic link to the web site.

4. The system of claim 2, wherein the electronic receipt is an e-mail message or an SMS message.

5. The system of claim 2, wherein the electronic receipt comprises a portion of the stored receipt data for a completed payment transaction.

6. The system of claim 5, wherein the web server module retrieves the stored receipt data for a completed payment transaction associated with the electronic receipt.

7. The system of claim 6, wherein the stored receipt data comprises enhanced data associated with the completed payment transaction.

8. The system of claim 1, wherein the transaction receipt portal system further comprises a database of registered users.

9. A computer-implemented method of processing a card payment transaction, the method comprising the steps of:

processing, by a merchant system, a payment transaction through a merchant mobile electronic device and verifying an authentication token before settling the payment transaction;

storing, in a transaction receipt portal system remote from the merchant system, receipt data for a completed payment transaction received from the merchant system, the receipt data being associated with a customer and a merchant registered with the system,

receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system; and

providing, by the transaction receipt portal system, stored receipt data to the associated registered customer or merchant.

10. The method of claim 9, wherein the electronic receipt includes data for configuring the computing device to retrieve stored receipt data from the transaction receipt portal system.

11. The method of claim 10, wherein a web server module hosting a web site provides access to the stored receipt data and wherein the electronic receipt includes an electronic link to the web site.

12. The method of claim 10, wherein the electronic receipt is provided in an e-mail message or an SMS message.

13. The method of claim 9, wherein the electronic receipt comprises a portion of the stored receipt data for a completed payment transaction.

14. The method of claim 13, wherein the transaction receipt portal system provides stored receipt data for a completed payment transaction associated with the electronic receipt, wherein the stored receipt data comprises enhanced data associated with the completed payment transaction.