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Providing e-receipts to customers

  • US 9,619,843 B2
  • Filed: 02/11/2016
  • Issued: 04/11/2017
  • Est. Priority Date: 05/16/2014
  • Status: Active Grant
First Claim
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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.

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