System and method for processing payment transaction receipts

• US 8,429,048 B2
• Filed: 12/07/2010
• Issued: 04/23/2013
• Est. Priority Date: 12/28/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Singh, Shantnu
• Primary Examiner(s): Havan, Thu Thao
• Application Number:
  US12/962,571
• Publication Number:
  US 20110161230A1
• Time in Patent Office: 868 Days
• Field of Search: 705 35- 44
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• 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 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Embodiments of the invention are directed to systems and methods for processing payment transaction receipts. When an authorization request message for a transaction of a consumer is received, it is determined whether an account associated with the consumer'"'"'s portable consumer device is enrolled in an electronic receipt program. If the account is enrolled, an electronic receipt for the transaction is sent to the consumer.

Claims

1. A method of sending electronic receipts to a consumer comprising:

receiving at a server computer associated with a payment processing network, an authorization request message associated with a transaction, the authorization request message including transaction information associated with a portable consumer device of the consumer;

determining by the server computer associated with the payment processing network, using the authorization request message, whether an account associated with the portable consumer device is enrolled in an electronic receipt program; and

sending, by the server computer associated with the payment processing network, an electronic receipt to the consumer based on determining that the account is enrolled in the electronic receipt program, the electronic receipt having financial data associated with the transaction.

2. The method of claim 1, further comprising:

receiving an authorization response message from an issuer in response to the authorization request message; and

generating a modified authorization response message by adding an indicator to the authorization response message based on determining that the account is enrolled in the electronic receipt program, wherein the indicator indicates the consumer is enrolled in the electronic receipt program.

3. The method of claim 2, further comprising:

sending the authorization response message with the indicator to a merchant facilitating the transaction, wherein the indicator indicates whether the merchant should provide a paper receipt to the consumer.

4. The method of claim 1, wherein the electronic receipt is sent to the portable consumer device.

5. The method of claim 1, wherein the portable consumer device is a mobile phone.

6. The method of claim 5, wherein the electronic receipt is an SMS message sent to the mobile phone.

7. The method of claim 5, wherein the electronic receipt is an image sent to the mobile phone.

8. The method of claim 1, wherein the electronic receipt is sent to the consumer via an email message.

9. The method of claim 1, further comprising:

receiving from the consumer a request to enroll in the electronic receipt program; and

enrolling the consumer in the electronic receipt program.

10. The method of claim 1, further comprising:

maintaining a website for accessing an online account associated with the portable consumer device; and

sending the electronic receipt to the consumer via the online account.

11. The method of claim 1, wherein the portable consumer device is a contactless card.

12. The method of claim 1, wherein the portable consumer device is a magnetic stripe card.

13. A server computer associated with a payment processing network comprising:

an enrollment module having enrollment information associated with an account for a portable consumer device of a consumer, wherein the enrollment information indicates enrollment in an electronic receipt program;

a payment processing module for receiving an authorization request message associated with a transaction of the portable consumer device, the authorization request message including transaction information associated with the portable consumer device, and for determining, using the authorization request message, whether the account associated with the portable consumer device is enrolled the electronic receipt program; and

a mobile gateway module for sending an electronic receipt to the consumer if the enrollment information indicates the account is enrolled in the electronic receipt program, the electronic receipt having financial data associated with the transaction.

14. The server computer of claim 13, wherein the server computer receives an authorization response message from an issuer in response to the authorization request message and adds an indicator to the authorization response message if the account is enrolled in the electronic receipt program, the indicator indicating the consumer is enrolled in the electronic receipt program.

15. The server computer of claim 14, wherein the server computer sends the authorization response message with the indicator to a merchant facilitating the transaction, the indicator indicating whether the merchant should provide a paper receipt to the consumer.

16. The server computer of claim 13, wherein the portable consumer device is a mobile phone and wherein the electronic receipt is sent to the portable consumer device.

17. The server computer of claim 13, wherein the enrollment module receives from the consumer a request to enroll in the electronic receipt program.

18. The server computer of claim 13, wherein the portable consumer device is a magnetic stripe card.

19. A method for receiving electronic receipts comprising:

sending an authorization request message associated with a transaction to a server computer associated with a payment processing network, the authorization request message including transaction information associated with a portable consumer device of a consumer; and

receiving by the consumer an electronic receipt having financial data associated with the transaction based on a determination by the server computer associated with the payment processing network using the authorization request message that an account associated with the portable consumer device is enrolled in an electronic receipt program.

20. The method of claim 19, wherein the server computer receives an authorization response message from an issuer in response to the authorization request message and adds an indicator to the authorization response message if the account is enrolled in the electronic receipt program, the indicator indicating enrollment in the electronic receipt program.

21. The method of claim 20, further comprising:

receiving the authorization response message with the indicator, wherein the indicator indicates whether a paper receipt should be provided to the consumer.

22. A method of sending electronic receipts to a consumer comprising:

receiving, at a server computer associated with a payment processing network, an authorization response message associated with a transaction, the authorization response message including an indication that the transaction was approved;

determining, by the server computer associated with the payment processing network, using the authorization response message, that an account associated with the portable consumer device is enrolled in an electronic receipt program;

determining, by the server computer associated with the payment processing network, that the transaction was approved based on the authorization response message;

sending, by the server computer associated with the payment processing network, an electronic receipt to the consumer based on the determination that the account associated with the portable consumer device is enrolled in an electronic receipt program and based on the determination that the transaction was approved.

23. The method of claim 22 further comprising:

generating a modified authorization response message by adding an indicator to the authorization response message based on the determination that the account is enrolled in the electronic receipt program, wherein the indicator indicates the consumer is enrolled in the electronic receipt program; and

sending the authorization response message to a merchant facilitating the transaction.

24. The method of claim 23, wherein the indicator indicates whether the merchant should provide a paper receipt to the consumer.