DIGITAL RECEIPT MANAGEMENT

• US 20140074675A1
• Filed: 09/12/2012
• Published: 03/13/2014
• Est. Priority Date: 09/12/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Calman, Matthew A., Mann, Julie, Crossman, Glenn
• Application Number:
  US13/612,046
• Publication Number:
  US 20140074675A1
• 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 40/12 Accounting

Abstract

Systems, methods, and computer program products are provided for managing digital receipts. The system includes a computer apparatus including a processor and a memory; and a digital receipt management software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive a transaction record including information relating to a transaction. The system then determines a user account associated with the transaction record based on the information; associates the transaction record with a transaction in the user account; and creates a digital receipt based on the transaction record and the account history. The digital receipt is stored in association with the transaction in a digital receipt mailbox and provided to the user when the user accesses the transaction. Special offers, supplemental information, and recommendations may also be provided in the digital receipt.

Claims

1. A system for managing digital receipts, the system comprising:

a computer apparatus including a processor and a memory; and

a digital receipt management software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive a transaction record, wherein the transaction record comprises information relating to a transaction;

determine a user account associated with the transaction record based on the information;

associate the transaction record with a transaction in the user account, wherein the user account comprises an account history;

extract information from the transaction record, wherein the information comprises at least one of a time of the transaction, an amount of the transaction, a date of the transaction, a merchant associated with the transaction, a location of the transaction, a payment method, a payee account, and a payor account;

determine a category for the transaction based on the information in the transaction record;

create a digital receipt based on the transaction record and the account history, wherein the digital receipt comprises the category;

store the digital receipt in association with the transaction; and

provide the digital receipt to the user when the user accesses the transaction.

2. The system of claim 1, wherein the module is further configured to determine if the user is eligible for an offer based on the digital receipt.

3. The system of claim 2, wherein the module is further configured to provide the offer to the user when the user is determined to be eligible.

5. The system of claim 1, wherein a format of the formatted digital receipt is customizable by the user.

6. The system of claim 1, wherein the user supplements the transaction record with a user record.

7. The system of claim 6, wherein the user record is selected from the group consisting of an audio recording, a picture, a video, and a text note.

8. The system of claim 1, wherein the module is further configured to:

evaluate the transaction record to determine the product or process purchased;

determine supplemental information associated with the product or process purchased; and

provide the supplemental information associated with the product or process purchased in the digital receipt.

4. (canceled)

9. A computer program product for managing digital receipts, the computer program product comprising:

a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising;

a computer readable program code configured to receive a transaction record, wherein the transaction record comprises information relating to a transaction;

a computer readable program code configured to determine a user account associated with the transaction record based on the information;

a computer readable program code configured to associate the transaction record with a transaction in the user account, wherein the user account comprises an account history;

a computer readable program code configured to extract information from the transaction record, wherein the information comprises at least one of a time of the transaction, an amount of the transaction, a date of the transaction, a merchant associated with the transaction, a location of the transaction, a payment method, a payee account, and a payor account;

a computer readable program code configured to determine a category for the transaction based on the information in the transaction record;

a computer readable program code configured to create a digital receipt based on the transaction record and the account history, wherein the digital receipt comprises the category;

a computer readable program code configured to store the digital receipt in association with the transaction; and

a computer readable program code configured to provide the digital receipt to the user when the user accesses the transaction.

10. The computer program product of claim 9, the computer program product further comprising a computer readable program code configured to determine if the user is eligible for an offer based on the digital receipt.

11. The computer program product of claim 10, the computer program product further comprising a computer readable program code configured to provide the offer to the user when the user is determined to be eligible.

13. The computer program product of claim 9, wherein a format of the formatted digital receipt is customizable by the user

14. The computer program product of claim 9, wherein the user supplements the transaction record with a user record.

15. The computer program product of claim 14, wherein the user record is selected from the group consisting of an audio recording, a picture, a video, and a text note.

16. The computer program product of claim 9, the computer program product further comprising computer readable program code configured to:

evaluate the transaction record to determine the product or process purchased;

determine supplemental information associated with the product or process purchased; and

provide the supplemental information associated with the product or process purchased in the digital receipt.

12. (canceled)

17. A method for managing digital receipts, the method comprising:

using a computer processor comprising computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions are structured to cause said computer processor to;

receiving a transaction record, wherein the transaction record comprises information relating to a transaction;

determining, via a computing device processor, a user account associated with the transaction record based on the information;

associating the transaction record with a transaction in the user account, wherein the user account comprises an account history;

extracting information from the transaction record, wherein the information comprises at least one of a time of the transaction, an amount of the transaction, a date of the transaction, a merchant associated with the transaction, a location of the transaction, a payment method, a payee account, and a payor account;

determining a category for the transaction based on the information in the transaction record;

creating, via a computing device processor, a digital receipt based on the transaction record and the account history, wherein the digital receipt comprises the category;

storing the digital receipt in association with the transaction; and

providing the digital receipt to the user when the user accesses the transaction.

18. The method of claim 17, the method further comprising:

determining if the user is eligible for an offer based on the digital receipt; and

providing the offer to the user when the user is determined to be eligible.

20. The method of claim 17, wherein the user supplements the transaction record with a user record, wherein the user record is selected from the group consisting of an audio recording, a picture, a video, and a text note.

21. The method of claim 17, the method further comprising:

evaluating the transaction record to determine the product or process purchased;

determining the supplemental information associated with the product or process purchased; and

providing the supplemental information associated with the product or process purchased in the digital receipt.

19. (canceled)