Providing e-receipts to customers
First Claim
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 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 based on authorization from the customer to be enrolled in a point of transaction e-receipt communication program;
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.
1 Assignment
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Accused Products
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.
20 Citations
10 Claims
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1. A financial institution system for providing e-receipts to customers, the system comprising:
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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 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 based on authorization from the customer to be enrolled in a point of transaction e-receipt communication program; 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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Specification