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System and method for collecting and distributing digital receipts

  • US 9,626,663 B2
  • Filed: 01/21/2011
  • Issued: 04/18/2017
  • Est. Priority Date: 01/21/2011
  • Status: Active Grant
First Claim
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1. A method for coordinating the provision of a digital receipt associated with a financial transaction, the method comprising:

  • receiving, at a digital receipt server and from an acquirer over the Internet, a digital receipt and an identifier corresponding to the digital receipt, wherein the identifier corresponding to the digital receipt uniquely identifies the digital receipt, wherein the digital receipt includes an itemized list of costs for a plurality of different items, and wherein each of the plurality of different items is at least one of a purchased good or service;

    transmitting, from the acquirer to an issuer, the identifier corresponding to the digital receipt over an electronic funds transfer network using ISO 8583 messaging;

    in response to said receiving a digital receipt and the identifier at the digital receipt server, storing, in the digital receipt server, the digital receipt and the identifier corresponding to the digital receipt;

    subsequent to said storing the digital receipt and the identifier at the digital receipt server, receiving, at the digital receipt server and from the issuer over the Internet, an inquiry and an identifier corresponding to the inquiry;

    comparing the identifier corresponding to the inquiry with the identifier corresponding to the digital receipt;

    determining, by the digital receipt server, that the issuer is valid;

    in response to said determining that the issuer is valid, transmitting the digital receipt from the digital receipt server and to the issuer over the Internet when the identifier corresponding to the inquiry corresponds to the identifier corresponding to the digital receipt; and

    subsequent to transmitting the digital receipt to the issuer, retrieving from the issuer over the Internet by a device associated with a customer of the acquirer, information contained in the digital receipt including the itemized list of the costs for the plurality of different items.

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