Providing e-receipts to customers

• US 9,275,418 B2
• Filed: 05/16/2014
• Issued: 03/01/2016
• Est. Priority Date: 05/16/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Johansen, Joseph Neil, Siddiqi, Farhan Ahmed, Godsman, David Reed, Grigg, David M.
• Primary Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US14/280,112
• Publication Number:
  US 20150332415A1
• Time in Patent Office: 655 Days
• Field of Search: 235/383, 705/24
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

Claims

1. A financial institution system for providing e-receipts to customers, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program;

receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant;

initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data;

access a cooperating merchant list comprising information corresponding to a plurality of merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program; and

for each of the plurality of cooperating merchants, request authorization from the customer for transaction data associated with any transactions performed by the customer at the cooperating merchant to be communicated to the financial institution for the purpose of providing e-receipts to the customer.

2. The system of claim 1, wherein the executable instructions further cause the processor to:

request authorization from the customer for the customer to be enrolled in the point of transaction e-receipt communication program.

3. The system of claim 1, wherein the transaction data is received as an e-receipt generated by the merchant and based on the at least one transaction performed by the customer at the point of transaction of the merchant.

4. The system of claim 1, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from an online banking session of the customer.

5. The system of claim 1, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from a mobile application session of the customer.

6. The system of claim 1, wherein the executable instructions further cause the processor to:

receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and

build, based at least in part on the plurality of enrolling merchants, a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

7. The system of claim 1, wherein the executable instructions further cause the processor to:

receive customer identification information from the merchant;

access a participating customer list comprising information corresponding to a plurality of customers participating in the point of transaction e-receipt communication program;

determine whether the received customer identification information corresponds to any of the plurality of customers in the participating customer list;

if so, initiate communication of a confirmation message to the merchant indicating to the merchant that the customer is participating in the point of transaction e-receipt communication program; and

wherein the transaction data is received from the merchant in response to the merchant receiving the confirmation message.

8. The system of claim 1, wherein the executable instructions further cause the processor to:

receive customer identification information comprising loyalty account information from the merchant;

determine an identity of the customer based at least in part on the loyalty account information received from the merchant; and

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

9. The system of claim 1, wherein the transaction data corresponds to a cash transaction performed by the customer with the merchant and wherein the executable instructions further cause the processor to:

receive identification information corresponding to an identity of the customer;

associate the transaction data with the identity of the customer;

generate the e-receipt based on the associated transaction data and identity of the customer; and

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

10. The system of claim 1, wherein initiating communication of the e-receipt to the customer comprises initiating communication of the e-receipt to an email address associated with the customer, to an online banking repository associated with the customer and to a mobile application repository associated with the customer.

11. The system of claim 1, wherein the executable instructions further cause the processor to:

receive, from an online banking session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.

12. The system of claim 1, wherein the executable instructions further cause the processor to:

receive, from a mobile application session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.

13. A financial institution system for providing e-receipts to customers, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program;

receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant;

initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data;

receive customer identification information from the merchant;

access a participating customer list comprising information corresponding to a plurality of customers participating in the point of transaction e-receipt communication program;

determine whether the received customer identification information corresponds to any of the plurality of customers in the participating customer list; and

if so, initiate communication of a confirmation message to the merchant indicating to the merchant that the customer is participating in the point of transaction e-receipt communication program;

wherein the transaction data is received from the merchant in response to the merchant receiving the confirmation message.

14. The system of claim 13, wherein the executable instructions further cause the processor to:

request authorization from the customer for the customer to be enrolled in the point of transaction e-receipt communication program.

15. The system of claim 13, wherein the transaction data is received as an e-receipt generated by the merchant and based on the at least one transaction performed by the customer at the point of transaction of the merchant.

16. The system of claim 13, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from an online banking session of the customer.

17. The system of claim 13, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from a mobile application session of the customer.

18. The system of claim 13, wherein the executable instructions further cause the processor to:

receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and

build, based at least in part on the plurality of enrolling merchants, a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

19. The system of claim 13, wherein the executable instructions further cause the processor to:

receive customer identification information comprising loyalty account information from the merchant;

determine an identity of the customer based at least in part on the loyalty account information received from the merchant; and

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

20. The system of claim 13, wherein the transaction data corresponds to a cash transaction performed by the customer with the merchant and wherein the executable instructions further cause the processor to:

receive identification information corresponding to an identity of the customer;

associate the transaction data with the identity of the customer;

generate the e-receipt based on the associated transaction data and identity of the customer; and

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

21. The system of claim 13, wherein initiating communication of the e-receipt to the customer comprises initiating communication of the e-receipt to an email address associated with the customer, to an online banking repository associated with the customer and to a mobile application repository associated with the customer.

22. The system of claim 13, wherein the executable instructions further cause the processor to:

receive, from an online banking session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.

23. The system of claim 13, wherein the executable instructions further cause the processor to:

receive, from a mobile application session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.

24. A financial institution system for providing e-receipts to customers, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program;

receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant;

initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data

receive customer identification information comprising loyalty account information from the merchant; and

determine an identity of the customer based at least in part on the loyalty account information received from the merchant;

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

25. The system of claim 24, wherein the executable instructions further cause the processor to:

request authorization from the customer for the customer to be enrolled in the point of transaction e-receipt communication program.

26. The system of claim 24, wherein the transaction data is received as an e-receipt generated by the merchant and based on the at least one transaction performed by the customer at the point of transaction of the merchant.

27. The system of claim 24, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from an online banking session of the customer.

28. The system of claim 24, wherein the customer'"'"'s authorization for the customer to be enrolled in the point of transaction e-receipt communication program is received from a mobile application session of the customer.

29. The system of claim 24, wherein the executable instructions further cause the processor to:

receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and

build, based at least in part on the plurality of enrolling merchants, a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

30. The system of claim 24, wherein the transaction data corresponds to a cash transaction performed by the customer with the merchant and wherein the executable instructions further cause the processor to:

receive identification information corresponding to an identity of the customer;

associate the transaction data with the identity of the customer;

generate the e-receipt based on the associated transaction data and identity of the customer; and

wherein initiating communication of the e-receipt to the customer is based at least in part on the determined identity of the customer.

31. The system of claim 24, wherein initiating communication of the e-receipt to the customer comprises initiating communication of the e-receipt to an email address associated with the customer, to an online banking repository associated with the customer and to a mobile application repository associated with the customer.

32. The system of claim 24, wherein the executable instructions further cause the processor to:

receive, from an online banking session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.

33. The system of claim 24, wherein the executable instructions further cause the processor to:

receive, from a mobile application session of the customer, a request for an e-receipt associated with the at least one transaction; and

wherein initiating communication of the e-receipt to the customer is in response to receiving the request.