SYSTEMS AND METHODS FOR DYNAMICALLY GENERATING CUSTOMIZED RECORDS

• US 20180276640A1
• Filed: 03/23/2017
• Published: 09/27/2018
• Est. Priority Date: 03/23/2017
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Kohli, Manoneet
• Granted Patent: US 11,741,451 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07G 5/00 Receipt-giving machines cash registers giving receipts G07G1/00

Abstract

A dynamic receipt generating (DRG) computing device for dynamically generating customized transaction records is provided. The DRG computing device includes at least one processor in communication with at least one memory device. The DRG computing device is configured to receive user preference data including dynamic receipt preference data, and a payment account identifier associated with a user. The DRG computing device is also configured to store the user preference data in memory and to receive real-time transaction data associated with a purchase made by the user using a payment account associated with the payment account, the real-time transaction data being in a first format. The DRG computing device is further configured to retrieve the user preference data from the memory based on the payment account identifier. The DRG computing device is configured to generate a dynamic receipt based on the real-time transaction data and the retrieved user preference data associated with the payment account identifier, the dynamic receipt having a second format different from the first format, and to transmit the generated dynamic receipt to the user.

Claims

1. A dynamic receipt generating (DRG) computing device for dynamically generating customized transaction records, the DRG computing device including at least one processor in communication with at least one memory device, said DRG computing device configured to:

receive user preference data including dynamic receipt preference data, and a payment account identifier associated with a user;

store the user preference data in memory;

receive real-time transaction data associated with a purchase made by the user using a payment account associated with the payment account, the real-time transaction data being in a first format;

retrieve the user preference data from the memory based on the payment account identifier;

generate a dynamic receipt based on the real-time transaction data and the retrieved user preference data associated with the payment account identifier, the dynamic receipt having a second format different from the first format; and

transmit the generated dynamic receipt to the user.

2. The DRG computing device of claim 1, wherein the real-time transaction data is payment transaction data processed over a payment network wherein the user interacts with the payment network using a payment account at POS device or through a merchant website.

3. The DRG computing device of claim 1, wherein the real-time transaction data is received by said DRG computing device as an ISO 8583 authorization computer message, the transaction data including a DRG user account identity, a merchant location, and a transaction date.

4. The DRG computing device of claim 1, wherein the user preference data includes at least one of grouping criteria, sorting criteria, alert criteria, language preference, reminders preference, and cardholder information associated with the DRG user account.

5. The DRG computing device of claim 2, wherein the user preference data includes a selection for a language that differs from the received real-time transaction data language associated with the purchase, wherein the DRG computing device receives the real-time transaction data and converts the real time transaction data to the language selected by the user and stored in the user preference data before transmitting the generated dynamic receipt to the user.

6. The DRG computing device of claim 1, wherein said DRG computing device is in communication with a DRG user digital wallet, said DRG computing device further configured to deliver the dynamic receipt to the DRG user digital wallet.

7. The DRG computing device of claim 1, further configured to:

analyze past generated dynamic receipts associated with a DRG user;

analyze the DRG user preference data to determine relationships between the DRG user preference data and past transactions; and

notify the DRG user of at least one of duplicate purchases within a specified time period, changes in purchase prices for specific items, historically recurring purchases, and similar items purchased from different retailers.

8. A computer-implemented method for dynamically generating customized transaction records, the method implemented using a dynamic receipt generating (DRG) computing device including at least one processor in communication with at least one memory device, said method comprising:

receiving user preference data including dynamic receipt preference data, and a payment account identifier associated with a user;

storing the user preference data in memory;

receiving real-time transaction data associated with a purchase made by the user using a payment account associated with the payment account, the real-time transaction data being in a first format;

retrieving the user preference data from the memory based on the payment account identifier;

generating a dynamic receipt based on the real-time transaction data and the retrieved user preference data associated with the payment account identifier, the dynamic receipt having a second format different from the first format; and

transmitting the generated dynamic receipt to the user.

9. The method of claim 8, wherein the second network is a payment network and the DRG memory is communicatively coupled to a payment processor of the payment network to receive the DRG user transaction data.

10. The method of claim 8, wherein the transaction data is received by the DRG computing device as part of an ISO 8583 clearing message, the transaction data including a DRG user account identity, a merchant location, and a transaction date.

11. The method of claim 8, wherein the user preference data includes at least one of grouping criteria, sorting criteria, alert criteria, language preference, reminders preference, and cardholder information associated with the DRG user account.

12. The method of claim 8, wherein the user preference data includes a selection for a language that differs from the received real-time transaction data language associated with the purchase, wherein the DRG computing device receives the real-time transaction data and converts the real time transaction data to the language selected by the user and stored in the user preference data before transmitting the generated dynamic receipt to the user.

13. The method of claim 8, wherein the DRG computing device is in communication with a DRG user digital wallet, further comprising delivering the dynamic receipt to the DRG user digital wallet.

14. The method of claim 8, further comprising:

analyzing past generated dynamic receipts associated with a DRG user;

analyzing the user preference data and determining relationships between the user preference data and past transactions; and

notifying the DRG user of at least one of duplicate purchases within a specified time period, changes in purchase prices for specific items, historically recurring purchases, and similar items purchased from different retailers.

15. A non-transitory computer readable medium that includes computer executable instructions for generating customized receipts readable by a computing device, wherein when executed by a dynamic receipt generator (DRG) computing device including a processor and a memory device, the computer executable instructions cause the DRG computing device to:

receive user preference data including dynamic receipt preference data, and a payment account identifier associated with a user;

store the user preference data in memory;

receive real-time transaction data associated with a purchase made by the user using a payment account associated with the payment account, the real-time transaction data being in a first format;

retrieve the user preference data from the memory based on the payment account identifier;

generate a dynamic receipt based on the real-time transaction data and the retrieved user preference data associated with the payment account identifier, the dynamic receipt having a second format different from the first format; and

transmit the generated dynamic receipt to the user.

16. A non-transitory computer readable medium in accordance with claim 15, wherein the second network is a payment network and the DRG memory is communicatively coupled to a payment processor of the payment network to receive the DRG user transaction data.

17. A non-transitory computer readable medium in accordance with claim 15, wherein the transaction data is received by the DRG computing device as part of an ISO 8583 clearing message, the transaction data including a DRG user account identity, a merchant location, and a transaction date.

18. A non-transitory computer readable medium in accordance with claim 15, wherein the user preference data includes at least one of grouping criteria, sorting criteria, alert criteria, language preference, reminders preference, and cardholder information associated with the DRG user account.

19. A non-transitory computer readable medium in accordance with claim 15, wherein the user preference data includes a selection for a language that differs from the received real-time transaction data language associated with the purchase, wherein the DRG computing device receives the real-time transaction data and converts the real time transaction data to the language selected by the user and stored in the user preference data before transmitting the generated dynamic receipt to the user.

20. A non-transitory computer readable medium in accordance with claim 15, wherein the DRG computing device is in communication with a DRG user digital wallet, the DRG computing device further configured to deliver the dynamic receipt to the DRG user digital wallet.

21. A non-transitory computer readable medium in accordance with claim 15, wherein the computer-executable instructions further cause the DRG computing device to:

analyze past generated dynamic receipts associated with a DRG user;

analyze the DRG user preference data to determine relationships between the DRG user preference data and past transactions; and

notify the DRG user of at least one of duplicate purchases within a specified time period, changes in purchase prices for specific items, historically recurring purchases, and similar items purchased from different retailers.