Payment transaction receipt system and method

• US 8,985,445 B2
• Filed: 11/05/2012
• Issued: 03/24/2015
• Est. Priority Date: 02/28/2012
• Status: Active Grant

• Current Assignee: Barclays Execution Services Ltd. (Barclays PLC)
• Original Assignee: Barclays Bank PLC (Barclays PLC)
• Inventors: Patel, Pratik, Gardiner, James
• Primary Examiner(s): VO, TUYEN KIM
• Application Number:
  US13/668,779
• Publication Number:
  US 20130221093A1
• Time in Patent Office: 869 Days
• Field of Search: 235/375, 235/380, 235/383, 235/451, 235/492, 235/379
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/30 characterised by the use of specific devices or networks
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices

Abstract

A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system.

Claims

1. A payment transaction system, comprising:

a merchant system including a merchant mobile electronic device that processes a payment transaction and a merchant authentication terminal that verifies an authentication token before settling the payment transaction;

a transaction receipt portal system remote from the merchant system, the transaction receipt portal system stores receipt data for a completed payment transaction received from the merchant system, the receipt data being associated with a customer and a merchant registered with the payment transaction system;

a customer computing device that receives an electronic receipt from the merchant system, whereby the electronic receipt includes an electronic link to an independent website separate from the merchant system, the independent website being hosted by an independent web server module, separate from the merchant system, of the transaction receipt portal system and the electronic receipt also includes an identifier associated with the stored receipt data for retrieving stored receipt data associated with the electronic receipt from the transaction receipt portal system; and

wherein the electronic link to the web site enables the customer to securely login and review data from the payment transaction selected from the group consisting of line item purchases, merchant details including contact details, location of the merchant and transaction, and options to follow up with the merchant to request a refund.

2. The system of claim 1, wherein the electronic receipt is an e-mail message or an SMS message.

3. The system of claim 1, wherein the electronic receipt comprises a portion of the stored receipt data for a completed payment transaction.

4. The system of claim 3, wherein the web server module retrieves the stored receipt data for a completed payment transaction associated with the electronic receipt.

5. The system of claim 4, wherein the stored receipt data comprises enhanced data associated with the completed payment transaction.

6. The system of claim 1, wherein the transaction receipt portal system further comprises a database of registered users.

7. A computer-implemented method of processing a card payment transaction, the method comprising the steps of:

processing, by a merchant system, a payment transaction through a merchant mobile electronic device and verifying an authentication token before settling the payment transaction;

storing, in a transaction receipt portal system remote from the merchant system, receipt data for a completed payment transaction received from the merchant system, the receipt data being associated with a customer and a merchant registered with the system,

receiving, by a customer computing device, an electronic receipt from the merchant system, the electronic receipt including an electronic link to an independent web site, separate from the merchant system, hosted by a web server module of the transaction receipt portal system and an identifier associated with the stored receipt data for retrieving stored receipt data from the transaction receipt portal system;

providing access to the web server module hosting the web site for the stored receipt data, the electronic link to the web site enabling the customer to securely login and review data fromthe payment transaction selected from the group consisting of line item purchases, merchant details including contact details, location of the merchant and transaction, and options to follow up with the merchant to request a refund; and

providing, by the transaction receipt portal system, stored receipt data to the associated registered customer or merchant.

8. The method of claim 7, wherein the electronic receipt includes data for configuring the computing device to retrieve stored receipt data from the transaction receipt portal system.

9. The method of claim 8, wherein the electronic receipt is provided in an e-mail message or an SMS message.