MERCHANT ALERTS INCORPORATING RECEIPT DATA

• US 20160247155A1
• Filed: 05/02/2016
• Published: 08/25/2016
• Est. Priority Date: 12/16/2009
• Status: Active Grant

• Current Assignee: Ayman Hammad
• Original Assignee: Ayman Hammad
• Inventors: Hammad, Ayman
• Granted Patent: US 11,132,691 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0221 Re-usable coupons
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0237 at kiosk
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07G 5/00 : Receipt-giving machines cash registers giving receipts G07G1/00

Abstract

One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

Claims

1-22. -22. (canceled)

23. A method comprising:

generating, by an access device, an authorization request message for a transaction conducted by a consumer with a merchant, after the access device interacts with a portable consumer device;

sending, by the access device, the authorization request message to a payment processing network;

receiving, by the access device, an authorization response message including receipt preference data from the payment processing network; and

providing, by the access device, a receipt to the consumer, the receipt including receipt preferences derived from the receipt preference data.

24. The method of claim 23 wherein the receipt preference data includes printing preferences specified by the consumer.

25. The method of claim 23 wherein the receipt preference data includes stock keeping units (SKUs).

26. The method of claim 23, wherein the authorization response message is a modified authorization response message, and wherein the payment processing network forwards the authorization request message to an issuer, and receives an authorization response message from the issuer, and modifies the authorization response message to include the receipt preference data to create the modified authorization response message, and wherein the consumer provided the receipt preference data to the payment processing network.

27. The method of claim 23 wherein the portable consumer device is a credit card.

28. The method of claim 23 wherein the receipt preference data specifies whether or not the consumer desires a paper receipt.

29. The method of claim 23 wherein the authorization request message is sent from the access device to the payment processing network via an acquirer computer.

30. The method of claim 23 wherein the receipt preference data includes delivery channel, receipt format, file type, and conditions for receipts.

31. The method of claim 23 wherein the access device is a POS terminal.

32. The method of claim 23 wherein the receipt preference data stored at the payment processing network specifies that the receipt is also transmitted to a mobile phone used by the consumer.

33. An access device comprising:

a processor; and

a computer readable medium, the method comprising code executable by the processor, for implementing a method comprising;

generating, by an access device, an authorization request message for a transaction conducted by a consumer with a merchant, after the access device interacts with a portable consumer device;

sending, by the access device, the authorization request message to a payment processing network;

receiving, by the access device, an authorization response message including receipt preference data from the payment processing network; and

providing, by the access device, a receipt to the consumer, the receipt including the receipt preferences derived from the receipt preference data.

34. The access device of claim 33 wherein the receipt preference data includes printing preferences specified by the consumer.

35. The access device of claim 33 wherein the receipt preference data includes stock keeping units (SKUs).

36. The access device of claim 33, wherein the authorization response message is a modified authorization response message, and wherein the payment processing network forwards the authorization request message to an issuer, and receives an authorization response message from the issuer, and modifies the authorization response message to include the receipt preference data to create the modified authorization response message, and wherein the consumer provided the receipt preference data to the payment processing network.

37. The access device of claim 33 wherein the portable consumer device is a credit card.

38. The access device of claim 33 wherein the receipt preference data specifies whether or not the consumer desires a paper receipt.

39. The access device of claim 33 wherein the authorization request message is sent from the access device to the payment processing network via an acquirer computer.

40. The access device of claim 33 wherein the receipt preference data includes delivery channel, receipt format, file type, and conditions for receipts.

41. The access device of claim 33 wherein the access device is a POS terminal.

42. The access device of claim 33 wherein the receipt preference data stored at the payment processing network specifies that the receipt is also transmitted to a mobile phone used by the consumer.