Systems and methods to generate a receipt for a transaction

• US 8,880,431 B2
• Filed: 03/14/2013
• Issued: 11/04/2014
• Est. Priority Date: 03/16/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, Carlson, Mark, Hagey, Ryan, Reid, Margaret, Stan, Patrick, Wright, Patrick, Koganti, Krishna Prasad, Powell, Glenn, Kumnick, Phillip Lyle, Kim, Nancy L.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US13/804,450
• Publication Number:
  US 20130246273A1
• Time in Patent Office: 600 Days
• Field of Search: 705 3- 44
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• 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

Abstract

A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

Claims

1. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to:

generate, by a computing apparatus including a transaction handler, an authorization response for a transaction in a payment account in a payment network interconnected by the transaction handler;

determine, by the computing apparatus, whether an enhanced receipt service is applicable to the transaction;

in response to a determination that the enhanced receipt service is applicable to the transaction, provide by the computing apparatus a receipt service indicator in the authorization response transmitted to a transaction terminal, the receipt service indicator configured to cause the transaction terminal to communicate with the computing apparatus using a second communication channel separate from a first communication channel using which the authorization response is provided to the transaction terminal; and

communicate, by the computing apparatus, with the transaction terminal using the second communication channel prior to providing a receipt for the transaction.

2. The computer-storage medium of claim 1, wherein the receipt service indicator is provided in the authorization response in response to a determination that an offer is applicable to the transaction.

3. The computer-storage medium of claim 2, wherein the offer allows application of a predetermined number of loyalty points to the transaction to reduce a transaction amount of the transaction in the payment account.

4. The computer-storage medium of claim 3, wherein the instructions are further configured to instruct the computing apparatus to generate a trigger record for the application of the predetermined number of loyalty points in response to a balance of loyalty points of the user exceeding a threshold.

5. The computer-storage medium of claim 3, wherein the instructions are further configured to instruct the computing apparatus to generate the offer in accordance with a previous offer previously selected by the user for loyalty point redemption, in response to a balance of loyalty points of the user exceeding a threshold.

6. A computing apparatus having at least one processor and memory storing instructions configured to instruct the at least one processor to perform the operations, the computing apparatus comprising:

a data warehouse configured to store data associating an offer with account information identifying a payment account of a user;

a transaction handler configured to process payment transactions, detect a transaction satisfying benefit redemption requirements of the offer, provide a benefit of the offer to the transaction, provide a receipt service indicator in an authorization response for the transaction, and transmit the authorization response to a transaction terminal via an acquirer processor; and

a portal coupled with the transaction handler, the receipt service indicator configured to cause the transaction terminal to communicate with the portal using a second communication channel separate from a first communication channel using which the authorization response is provided to the transaction terminal, the portal configured to use the second communication channel to provide information related to the benefit provided to the transaction.

7. The computing apparatus of claim 6, wherein the transaction handler is further configured to provide an encryption key in the authorization response for the second communication channel.

8. The computing apparatus of claim 7, wherein the portal is configured to receive purchase details of the transaction from the transaction terminal using the second communication channel.

9. The computing apparatus of claim 7, wherein the portal is configured to use the second communication channel to instruct the transaction terminal to present a user interface to allow real time interaction between the portal and the user.

10. The computing apparatus of claim 6, wherein in response to an authorization request identifying the payment account as a singled source of payment, the transaction handler is configured to generate multiple authorization requests to multiple processors and combine multiple authorization responses from the multiple processors to generate the authorization response containing the receipt service indicator.

11. A method, comprising:

generating, by a computing apparatus including a transaction handler, an authorization response for a transaction in a payment account in a payment network interconnected by the transaction handler;

determining, by the computing apparatus, whether an enhanced receipt service is applicable to the transaction;

in response to a determination that the enhanced receipt service is applicable to the transaction, providing by the computing apparatus a receipt service indicator in the authorization response transmitted to a transaction terminal, the receipt service indicator configured to cause the transaction terminal to communicate with the computing apparatus using a second communication channel separate from a first communication channel using which the authorization response is provided to the transaction terminal; and

communicating, by the computing apparatus, with the transaction terminal using the second communication channel prior to providing a receipt for the transaction.

12. The method of claim 11, wherein the receipt service indicator is provided in the authorization response in response to a determination that an offer is applicable to the transaction.

13. The method of claim 12, wherein the offer allows application of a predetermined number of loyalty points to the transaction to reduce a transaction amount of the transaction in the payment account.

14. The method of claim 13, further comprising:

generating a trigger record for the application of the predetermined number of loyalty points in response to a balance of loyalty points of the user exceeding a threshold.

15. The method of claim 13, further comprising:

generating the offer in accordance with a previous offer previously selected by the user for loyalty point redemption, in response to a balance of loyalty points of the user exceeding a threshold.

16. The method of claim 11, wherein the authorization response is transmitted to the transaction terminal via an acquirer processor;

and the communicating with the transaction terminal is performed without going through the acquirer processor.

17. The method of claim 16, wherein the communicating includes providing receipt content to the transaction terminal, the receipt content identifying an amount of a benefit of an offer applied to the transaction but not reflected in the authorization response.

18. The method of claim 17, wherein the communicating includes receiving purchase details related to the transaction;

and the receipt content includes a receipt generated to include the purchase details.

19. The method of claim 18, wherein the communicating is secured via information transmitted in the authorization response.

20. The method of claim 19, wherein the information transmitted in the authorization response includes at least one of:

an encryption key to be used in the communicating; and

an identifier assigned to represent the payment account during the communicating.