REAL TIME PAPERLESS PAYMENT CONTROL

• US 20140229305A1
• Filed: 04/23/2012
• Published: 08/14/2014
• Est. Priority Date: 04/21/2011
• Status: Abandoned Application

• Current Assignee: Dilek Ellan
• Original Assignee: Dilek Ellan
• Inventors: Ellan, Dilek
• Application Number:
  US14/113,076
• Publication Number:
  US 20140229305A1
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output

Abstract

A real time paperless payment control and electronic receipt system for managing transaction receipts (20) issued by a point of sale (30), comprises the steps of providing an electronic receipt card to the consumer that comprises a consumer identifier, providing retailers with electronic means (30, 31) generating an electronic transaction receipt, transmitting the electronic transaction receipt (20) together with the costumers identifier to an electronic receipts storage means (41), providing at least one interface (35) to access manage and organize stored electronic receipts (20) within said electronic receipts storage means (41). It is characterized in that the electronic transaction receipt (20) generating electronic means (30) comprises an electronic funds transfer terminal (34; 35), in that said electronic receipt card is also a payment token usable within the electronic funds transfer terminal (34, 35) and comprising a consumer account identifier, wherein during a payment transaction a funds transaction code (24) is transmitted to the electronic funds transfer terminal (34, 35) adapted to forward said funds transaction code (24) together with the electronic transaction receipt (20) to said electronic receipts storage means (41), which can be a memory on the payment token or an external database.

Claims

1. A real time paperless payment control method managing transaction receipts issued by a point of sale within an electronic receipt system, comprising the steps:

providing an electronic receipt card to the consumer that comprises a consumer identifier,

providing retailers with electronic means (30) generating an electronic transaction receipt (20),

transmitting the electronic transaction receipt (20) together with the consumer identifier to an electronic receipts storage means (41;

122),

providing at least one interface (140, 150) to access, manage and organize stored electronic receipts (20) within said electronic receipts storage means (41;

122), characterized in that the electronic transaction receipt generating electronic means (30) comprises an electronic funds transfer terminal (30, 34, 35), in that said electronic receipt card is also a payment token usable within the electronic funds transfer terminal (30, 34,35) and comprising a consumer account identifier, wherein during a payment transaction (63) a funds transaction code (24) is transmitted to the electronic funds transfer terminal (30, 34, 35) adapted to forward said funds transaction code (24) together with the electronic transaction receipt (25) to said electronic receipts storage means (41;

122).

2. The method according to claim 1, wherein the electronic receipts storage means (41, 122) is a memory storage means within the payment token or a device hosting the payment token, wherein the electronic receipt is stored in said memory means provided within the payment token, especially for a temporal later transfer to an electronic receipts database (41), especially transferred through a card reader to the electronic receipts database (41).

3. The method according to claim 1, wherein the electronic receipts storage means is an external database (41, 122).

4. The method according to claim 1, wherein the electronic receipts storage means or the external database comprises (41;

122) an read or read/write access, particularly a web access (150), for the customer or a third party using at least the consumer identifier as a means of identification.

5. The method according to claim 1, wherein the electronic receipts database comprises (41;

122) an access (150) for a third party allowing adding an electronic flag to each data set having a specific transaction code (24).

6. The method according to claim 1, wherein the electronic funds transfer terminal (35) is adapted to be connected with a server of the payment institution (51) issuing said payment token to receive from said server said funds transaction code (24).

7. The method according to claim 1, wherein the electronic funds transfer terminal (35) is adapted to be connected with a server (51) of the payment institution issuing said payment token to initiate within said server the generation of said funds transaction code (24) for a direct transfer of the electronic transaction receipt (25) to said electronic receipts storage means (41).

8. The method according to claim 1, wherein the electronic receipt is digitally signed by the seller through said electronic funds transfer terminal (30, 34, 35).

9. The method according to claim 1, wherein based on the electronic receipt the electronic receipts storage means (41) is adapted to generate an offer message which is transmitted to the device comprising the electronic receipt card being used in connection with an electronic communication means.

10. A real time paperless payment electronic payment means for use with a method according to claim 1, adapted to be read and/or written by the electronic funds transfer terminal (30, 34, 35), comprising the information of the consumer account identifier and comprising information for engaging a payment transaction (63), wherein optionally the payment means comprises an electronic memory for storage of the consumer account identifier and/or the electronic receipts storage means.

11. The electronic payment means according to claim 10, adapted to authorize within the electronic funds transfer terminal (30, 34, 35) the generation of a funds transaction code (24) together with an electronic transaction receipt (25) to at least one electronic receipts storage means or database (41;

122).

12. The electronic payment means according to claim 10, being a credit card, a debit card, a deferred debit card, an ATM card, a charge card, a SIM card or a credit allowing electronic token.

13. An electronic receipt system, comprising for executing the method according to claim 1, for managing transaction receipts issued by a point of sale within an electronic receipt system, comprising:

electronic receipt cards for each consumer comprising a consumer identifier,

an electronic receipts database (41;

122) hosting a database providing electronic receipts,

electronic means (30) generating electronic transaction receipts (20),

communication means, adapted to transmit electronic transaction receipts (20) together with the consumer identifier to said electronic receipts database (41;

122),

an interface (140, 150) to access, manage and organize stored electronic receipts (20) within said electronic receipts database (41;

122),

characterized in that

the electronic transaction receipt generating electronic means (30) comprises an electronic funds transfer terminal (30, 34, 35),

said electronic receipt card is also a payment token usable within the electronic funds transfer terminal (30, 34, 35) and comprises said consumer account identifier and optionally memory means provided within the payment token to directly store the electronic receipt, especially for a temporal later transfer to an electronic receipts database (41), especially transferred through a card reader to the electronic receipts database (41).

14. The electronic receipt system according to claim 13, wherein the interface (140, 150) is a web interface.

15. The electronic receipt system according to claim 13, wherein the electronic funds transfer terminal (30, 34, 35) is adapted to connect with a server of the payment institution (220 or 230) and said server of the payment institution (220 or 230) is further adapted to transmit electronic transaction receipts (20) together with the consumer identifier to said electronic receipts database (41;

122), wherein the consumer identifier as well as the transaction data is received from the electronic funds transfer terminal (30, 34,35), wherein optionally said server of the payment institution (220 or 230) is adapted to check (202) the existence of an account within the electronic receipts database (41;

122) for said consumer identifier for issuance of an electronic receipt.