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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
First Claim
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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.

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