Proxy card payment with digital receipt delivery

• US 9,064,249 B1
• Filed: 10/13/2014
• Issued: 06/23/2015
• Est. Priority Date: 10/22/2013
• Status: Active Grant

• Current Assignee: Block, Inc. (f/k/a Square, Inc.)
• Original Assignee: Square Inc (Block, Inc. (f/k/a Square, Inc.))
• Inventors: Borovsky, Andrew, Aaron, Paul
• Primary Examiner(s): Danneman, Paul
• Application Number:
  US14/513,076
• Time in Patent Office: 253 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/0282 Rating or review of business operators or products

Abstract

Disclosed herein are techniques for providing a digital receipt to a consumer upon tender of payment to a merchant through the use of a proxy payment card in a financial transaction. The proxy payment card can be associated with multiple financial accounts (e.g., accounts associated with credit cards, debit cards, or gift cards). The digital receipt is automatically received at a personal computing device of the consumer in response to the financial transaction being charged to a financial account associated with the proxy payment card. The digital receipt includes information indicative of the financial transaction. The digital receipt can also include one or more interactive components that allow the consumer to interact with the transaction (and/or merchant) subsequent to transmission of the receipt, such as adding a tip, providing feedback, redeeming a promotion reward, tracking loyalty reward points, or reviewing transaction records of past and present transactions.

Claims

1. A method comprising:

receiving, at a computer system, an indication of a payment transaction between a payer and a payee, the payment transaction involving use of a payment object associated with the payer;

transmitting, by the computer system, a payment authorization request associated with a payment account of the payment object to a financial system for authorization of a payment for the payment transaction;

transmitting, in response to the authorization of the payment, a digital receipt for the payment transaction to a computing device of the payer, wherein the digital receipt includes an interactive component that allows the payer to perform an action to modify an aspect of the payment transaction by providing an input to the interactive component via the computing device, wherein the interactive component incudes an interactive tipping component that allows the payer to input a tip amount associated with the payment transaction via the computing device within a specified time period;

receiving the tip amount inputted by the payer within the specified time period; and

causing funds to be transferred from the payment account of the payment object to an account associated with the payee, wherein the funds are based on the tip amount inputted.

2. The method of claim 1, wherein the payment object is a payment card.

3. The method of claim 2, wherein the payment card is any of a magnetic stripe card, a smartcard, a proximity card, or a card including an optical code.

4. The method of claim 1, wherein the payment object is a biometrically identifiable object.

5. The method of claim 1, wherein the payment object is any of a smart phone, a tablet, a portable media device, a wearable device, or a laptop computer.

6. The method of claim 1, wherein the method further comprises:

associating the payment object with a plurality of payment accounts; and

prior to transmitting the payment authorization request, causing the payment account to be selected from the plurality of payment accounts for the payment transaction.

7. The method of claim 6, wherein the plurality of payment accounts comprises any of a loyalty program account, a credit card account, a debit card account, a gift card account, or a fleet card account.

8. The method of claim 6, wherein causing the payment account to be selected from the plurality of payment accounts comprises:

accessing a database that stores association data indicative of an association between the payment object and the plurality of payment accounts;

based on the association data, identifying the plurality of payment accounts by using payment object information associated with the payment object;

obtaining payment account information associated with the plurality of payment accounts; and

selecting the payment account based on the payment account information.

9. The method of claim 8, wherein the authorization of the payment is based on the payment account information obtained from the database.

10. The method of claim 8, wherein the payment account is further selected based on a transaction item of the payment transaction.

11. The method of claim 6, wherein causing the payment account to be selected from the plurality of payment accounts comprises:

transmitting a message to the computing device of the payer, the message configured to prompt the payer to select the payment account for the payment transaction.

12. The method of claim 6, wherein the interactive component further includes a payment accounts component that allows the payer to input a user selection to change the payment account selected to another payment account associated with the payment object.

13. The method of claim 1, wherein the interactive component further includes an interactive feedback component that allows the payer to input, via the computing device, feedback for the payment transaction with the payee within a specified time period.

14. The method of claim 13, further comprising transmitting the feedback to a third-party that aggregates the feedback with other feedback provided for the payee.

15. The method of claim 13, further comprising:

generating, in response to input of the feedback, a time-based reward for transmission to the computing device of the payee, wherein the specified time period defines a value of the time-based reward based on an input time of the feedback relative to the specified time period.

16. A system comprising:

a communication device through which to communicate with remote devices;

a processor coupled to the communication device; and

a memory coupled to the processor, the memory storing instructions which when executed by the processor cause the system to perform operations comprising;

receiving, from a point-of-sale (POS) system of a payee, transaction information associated with a payment transaction between a payer and the payee and object information associated with a payment object of the payer, the object information obtained from the payment object by the POS system, wherein the object information identifies the payment object to be associated with a plurality of payment accounts of the payer;

causing one of the plurality of payment accounts of the payer to be selected for the payment transaction;

causing a payment authorization associated with the selected payment account to be sent to the POS system;

generating, in response to the payment authorization, a digital receipt for the payment transaction, for transmission to a computing device of the payer, wherein the digital receipt includes an interactive tipping component that allows the payer to input a tip amount associated with the payment transaction via the computing device within a specified time period;

receiving the tip amount inputted by the payer within the specified time period; and

causing funds to be transferred from the payment account of the payment object to an account associated with the payee, wherein the funds are based on the tip amount inputted.

17. The system of claim 16, wherein the operation of causing one of the plurality of payment accounts of the payer to be selected further comprises:

identifying payment account information associated with the plurality of payment accounts based on the object information; and

selecting the payment account based on the payment account information.

18. The system of claim 16, wherein the digital receipt further includes a payment accounts component that allows the payer to input a user selection to change the payment account selected to a new payment account associated with the payment object.

19. The system of claim 18, wherein the operations further comprise:

receiving, from the computing device and after causing the payment authorization to be sent, the user selection indicating a selection of said new payment account from the plurality of payment accounts associated with the payment object; and

causing funds to be transferred from the new payment account to the account associated with the payee for the payment transaction.

20. A method comprising:

receiving, at a computer system, an indication of a payment transaction between a payer and a payee, the payment transaction involving use of a payment object associated with the payer and associated with a computing device of the payer;

transmitting, by the computer system, a payment authorization request associated with a payment account of the payment object to a financial system for authorization of a payment for the payment transaction; and

transmitting, in response to the authorization of the payment, a digital receipt for the payment transaction to the computing device of the payer, wherein the digital receipt includes an interactive tipping component that allows the payer to input a tip amount associated with the payment transaction via the computing device within a specified time period;

receiving the tip amount inputted by the payer within the specified time period; and

causing funds to be transferred from the payment account of the payment object to an account associated with the payee, wherein the funds are based on the tip amount inputted.

21. The method of claim 20, further comprising:

causing, based on the authorization of the payment, funds to be transferred from the payment account of the payment object to an account associated with the payee.

22. The method of claim 20, wherein the payment object is associated with a plurality of payment accounts of the payer.

23. The method of claim 22, further comprising:

prior to transmitting the payment authorization request, causing the payment account to be selected from the plurality of payment accounts for the payment transaction.

24. The method of claim 20, wherein the digital receipt further includes a payment accounts component that allows the payer to input a user selection to change the payment account that is used for the authorization of the payment for the payment transaction.

25. The method of claim 24, further comprising:

receiving, from the computing device and after causing the payment authorization request to be sent, the user selection indicating a selection of the new payment account from the plurality of payment accounts associated with the payment object, the user selection received via the payment accounts component included in the digital receipt; and

causing funds to be transferred from the new payment account to the account associated with the payee for the payment.