System and method for processing payment transaction receipts

• US 8,650,124 B2
• Filed: 03/25/2013
• Issued: 02/11/2014
• 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:
  US13/849,685
• Publication Number:
  US 20130218778A1
• Time in Patent Office: 323 Days
• Field of Search: 705 35- 44
• US Class Current: 705/44
• 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 comprising:

receiving, at a computer apparatus, account information associated with a portable consumer device of a consumer;

sending an authorization request message associated with a transaction, the authorization request message including the account information associated with the portable consumer device of the consumer;

receiving an authorization response message from a server computer that includes an indicator that an account associated with the portable consumer device is enrolled in an electronic receipt program and indicates whether or not the consumer wants a printed receipt at the merchant, based on a determination using the authorization request message that the account associated with the portable consumer device is enrolled in an electronic receipt program; and

determining, based on the indicator in the authorization response message, that a paper receipt should not be printed for the consumer, wherein an electronic receipt having financial data associated with the transaction is sent to the consumer.

2. The method of claim 1 wherein the portable consumer device is in the form of a virtual account.

3. The method of claim 1 wherein electronic receipt having financial data associated with the transaction is sent to the consumer via the portable consumer device.

4. The method of claim 1 wherein the electronic receipt includes at least one of the following data elements:

a merchant identifier, a store identifier, a cashier identifier, a transaction date, a subtotal for the transaction, a sales tax amount, a total amount, a masked payment card account number, a masked expiration data, an approval code, a time of the transaction, and a total payment amount.

5. The method of claim 1 wherein the electronic receipt comprises a digital signature.

6. A computer apparatus comprising:

a processor; and

a computer readable medium coupled with the processor, the computer readable medium comprising code to be executed by a processor to perform the method of claim 1.

7. A method comprising:

conducting a transaction using a portable consumer device wherein account information associated with the portable consumer device is received by a computer and an authorization request message associated with the transaction is sent that includes the account information associated with the portable consumer device of the consumer, and an authorization response message is received from a server computer that includes an indicator that an account associated with the portable consumer device is enrolled in an electronic receipt program and indicates whether or not the consumer wants a printed receipt at the merchant, based on a determination using the authorization request message that the account associated with the portable consumer device is enrolled in an electronic receipt program;

receiving, at a computer apparatus, an electronic receipt having financial data associated with the transaction, based on the indicator in the authorization response message that the account associated with the portable consumer device is enrolled in an electronic receipt program that indicates whether or not the consumer wants a printed receipt at the merchant, based on a determination using the authorization request message that an account associated with the portable consumer device is enrolled in an electronic receipt program.

8. The method of claim 7 further comprising:

requesting enrollment in an electronic receipt program to receive transaction receipts in electronic form indicating whether or not the consumer wants a printed receipt at the merchant.

9. The method of claim 7 wherein the electronic receipt comprises a digital signature.

10. The method of claim 7 wherein the portable consumer device is in the form of a virtual account.

11. The method of claim 7 wherein the computer apparatus is the portable consumer device.

12. The method of claim 7 wherein the computer apparatus is a mobile phone, PDA, pager, or computer.

13. A computer readable medium comprising code to be executed by a processor to perform the method of claim 7.

14. A method 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 in the form of a virtual account of the consumer;

determining by the server computer associated with the payment processing network, using the authorization request message, whether the virtual account of the consumer 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 virtual account of the consumer is enrolled in the electronic receipt program, the electronic receipt having financial data associated with the transaction.

15. The method of claim 14, 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 virtual account of the consumer is enrolled in the electronic receipt program, wherein the indicator indicates the consumer is enrolled in the electronic receipt program.

16. The method of claim 14, 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.

17. The method of claim 14, further comprising:

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

enrolling the consumer in the electronic receipt program.

18. The method of claim 14, 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.

19. The method of claim 14, wherein the electronic receipt is sent to a mobile phone associated with the consumer.

20. The method of claim 14 wherein the electronic receipt comprises a digital signature.

21. A server computer comprising:

a processor; and

a computer readable medium coupled with the processor, the computer readable medium comprising code to be executed by a processor to perform the method of claim 14.