AUTOMATIC RECEIPT LOGGING AND NOTIFICATIONS FOR TRANSACTIONS

• US 20140337150A1
• Filed: 05/07/2013
• Published: 11/13/2014
• Est. Priority Date: 05/07/2013
• Status: Active Grant

• Current Assignee: Anand, Ramalingam Krishnamurthi
• Original Assignee: Anand, Ramalingam Krishnamurthi
• Inventors: Anand, Ramalingam Krishnamurthi
• Granted Patent: US 9,245,261 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets

Abstract

Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for managing and processing receipt information including identifying a user associated with a transaction; receiving a receipt for the transaction from a merchant system or a payment source used to fund the transaction; logging the receipt in a database associated with the user; providing an acknowledgement to an entity associated with the transaction and providing a notification of the transaction to a device associated with the user.

Claims

1. A computer-implemented method comprising:

identifying a user associated with a transaction;

receiving a receipt for the transaction from a merchant system or a payment source used to fund the transaction;

logging the receipt in a database associated with the user;

providing an acknowledgement to an entity associated with the transaction including providing the acknowledgement to either the merchant or an entity associated with the payment source, wherein providing the acknowledgement further comprises providing an indication of which user was associated with the logged transaction; and

providing a notification of the transaction to a device associated with the user.

2. The method of claim 1 wherein identifying the user includes receiving a user identifier from the user at a time of transaction.

3. The method of claim 1 wherein identifying the user includes receiving at a time coincident with the transaction a user identifier associated with the user and known by a system that logs the receipt.

4. The method of claim 1 further comprising enabling an account associated with the user including creating a user identifier to be associated with the account and wherein identifying the user further includes receiving the user identifier from the user and coincident with the transaction.

5. The method of claim 3 wherein receiving the user identifier coincident with the transaction further includes receiving the user identifier from a point of sale system that is used to support the transaction.

6. The method of claim 3 wherein receiving the user identifier coincident with the transaction further includes receiving the user identifier from an on-line entity associated with the transaction.

7. The method of claim 3 wherein enabling an account further includes creating an account and rules for managing receipts that are received and providing an interface for enabling a user to search for receipts.

8. The method of claim 7 wherein providing an interface further includes providing an interface to surface spend pattern reports to account holders.

9. The method of claim 1 wherein receiving a receipt includes receiving a receipt for a transaction that is pending for a user at a merchant and wherein the receipt includes information for the transaction including one or more of a transaction date, a transaction amount, transaction details related to items associated with the transaction, a payment method, an identifier for goods or service provided, stock-keeping unit (SKU) numbers, approval codes or a location of the transaction.

10. The method of claim 1 wherein logging the receipt further includes storing the transaction in a searchable database.

11. The method of claim 10 wherein logging the receipt further includes analyzing spend patterns of the user and producing reports related to spend patterns.

12. The method of claim 11 wherein analyzing spend patterns occurs automatically or can be triggered by a user requesting spend data for certain types of activities, certain dates, certain time periods, or certain locations.

13. The method of claim 11 wherein analyzing spending patterns further includes providing a view of a spending pattern wherein the view is selected from the group comprising a time-based view, a geographic view, a business activity view, a market segment view, a spend category view, an itemized view, a currency view or a health care account view.

14. The method of claim 10 wherein logging the receipt further includes storing information for a receipt in a database that is indexed by one or more of location, date of transaction, type of good or service, payment mechanism, vendor or other categorization based on information included in received receipts.

15. The method of claim 1 wherein providing an acknowledgment includes providing a user identifier associated with the user associated with the transaction so that the entity associated with the transaction can verify that the receipt was attributed to a correct user.

16. The method of claim 1 wherein providing the notification includes providing transaction details, receiving an indication of an acceptance or repudiation of the transaction from a user, and providing notification to the entity associated with the transaction of an indication of an acceptance or repudiation of the transaction in real time.

17. The method of claim 1 further comprising mining data in the database associated with logged receipts and providing targeted content delivery to the user based on the mined data.

18. The method of claim 1 wherein providing the acknowledgment includes providing an offer to the user based at least in part on details of the transaction.

19. The method of claim 1 further comprising providing an interface to enable a user to search for a receipt for a particular transaction and presenting a located receipt so as to facilitate a return of merchandise associated with the transaction.

20. The method of claim 1 further comprising receiving notice of a recall for a product, locating a receipt in the database that indicates purchase of the product, and providing a notice to a user associated with the purchase of the recall.

21. The method of claim 1 further comprising identifying a product that is part of a transaction, determining whether a product registration is required for the product, and registering the product for a user including providing details related to a receipt that has been received for a given transaction.

22. The method of claim 21 further comprising seeking approval to register the product from a user and, upon receipt of approval, registering the product.

23. The method of claim 1 wherein providing a notification further includes identifying one or more restrictions on a user account, evaluating a current receipt to determine if one or more of the restrictions has been violated and notifying the user when the restriction has been violated.

24. The method of claim 23 wherein the restrictions relate to set thresholds for one or more of a purchase amount, a purchase location, a purchase aggregate amount in a time period, a number of purchases in a time period, a geographically constrained purchase, or a currency restricted purchase.

25. The method of claim 1 further comprising presenting spend data for a series of transactions for a user including rendering one or more graphics that present the spend data.

26. The method of claim 1 further comprising evaluating spend data associated with logged receipts and presenting a spend-by-location view of the transactions where the spend-by-location view presents spend information on a map effectively linking spend information with specific locations shown on the map.