Purchase data transmission and analysis system

• US 9,811,810 B1
• Filed: 03/12/2013
• Issued: 11/07/2017
• Est. Priority Date: 06/22/2011
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Ranganath, Satyan, Mann, William F., Murray, Sean H., Keevil, Allison Anne
• Primary Examiner(s): Glass, Shay S
• Application Number:
  US13/795,147
• Time in Patent Office: 1,701 Days
• Field of Search: 705 261
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Claims

1. A purchase data transmission and analysis system for facilitating purchase data capture and analysis, the system operating over the Internet and in conjunction with a user device and a merchant computing system, the system comprising:

at least one computer memory storing instructions and data;

a data management server, the data management server including a data capture system and a data transmission system, the data capture system operating in association with the merchant computing system and storing purchase data acquired by the merchant computing system during a purchase transaction in the at least one computer memory and establishing a URL for each purchase transaction, the URL providing access to the stored purchase data;

the data transmission system transmitting a bank card authorization stream including the URL in a discretionary field of the authorization stream;

a banking system receiving the bank card transaction authorization stream including the URL originating from the data transmission system associated with the merchant computing system, the URL received in the discretionary field in the authorization stream for the bank card purchase transaction;

a data analysis and presentation computing system accessible to the banking system, the data analysis and presentation system retrieving information over a network at a location referenced by the URL, wherein the information includes a merchant identifier and line item data related to a purchase, the data analysis and presentation computing system attaching the retrieved information to the transaction authorization stream to create a complete description of the transaction, analyzing the complete description of the transaction and creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

2. The system of claim 1, wherein the data analysis and presentation system includes at least one computer processor programmed to provide a customer interface including product information for purchased products.

3. The system of claim 1, wherein the data analysis and presentation system includes at least one computer processor programmed to provide a merchant interface identifying lapsed customers.

4. The system of claim 1, wherein the data capture system implements at least one computer processor programmed to receive data from both the merchant and the customer for storage in the location referenced by the URL.

5. The system of claim 1, wherein the data capture system implements at least one computer processor programmed to receive data from the merchant for storage in the location referenced by the URL.

6. The system of claim 1, wherein the data capture system implements at least one computer processor programmed to receive data from the customer for storage in the location referenced by the URL.

7. The system of claim 6, wherein the data from the customer includes a captured receipt image.

8. The system of claim 7, wherein the system includes a capture application for long receipts including a matching function and a leveling function for ensuring complete capture of the long receipts.

9. The system of claim 1, wherein the data analysis and presentation system implements at least one computer processor programmed to provide a customer user interface that provides the customer with an option to suppress purchases from appearing.

10. The system of claim 1, wherein the information at the location referenced by the URL includes an order number, a product code, and an item description.

11. The system of claim 1, wherein the information at the location referenced by the URL includes a ship from postal code and a destination postal code.

12. The system of claim 1, wherein the data analysis and presentation system implements a computer processor programmed to provide an option for receipt printing.

13. A method for facilitating purchase data capture and analysis, the method implementing a purchase data transmission and analysis system operating over the Internet and in conjunction with a user device and a merchant computing system, the method-comprising:

accessing instructions stored in at least one computer memory; and

executing the stored instructions for performing steps including;

capturing and storing purchase data in the at least one computer memory using a data management server operating in conjunction with the merchant computing system and establishing a URL for referencing the purchase data associated with each purchase transaction;

transmitting, from the data management server, a bank card transaction authorization stream including the URL to a banking system, the URL referencing the purchase data corresponding to the purchase transaction;

receiving the bank card transaction authorization stream including the URL originating from the merchant computing system at the banking system, the URL received in a discretionary field in the authorization stream for the bank card purchase transaction;

retrieving information over a network using a data analysis and presentation computing system accessible to the banking system at a location referenced by the URL, wherein the information includes a merchant identifier and line item data related to a purchase;

attaching the retrieved information to the transaction authorization stream to create a complete description of the transaction; and

analyzing the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

14. The method of claim 13, further comprising providing a customer interface including product information for purchased products.

15. The method of claim 13, further comprising providing a merchant interface identifying lapsed customers.

16. The method of claim 13, further comprising receiving data from both the merchant and the customer for storage in the location referenced by the URL.

17. The method of claim 13, further comprising receiving data from the merchant for storage in the location referenced by the URL.

18. The method of claim 13, further comprising receiving data from the customer for storage in the location referenced by the URL.

19. The system of claim 18, wherein the data from the customer includes a captured receipt image.

20. The system of claim 19, wherein the system includes a capture application for long receipts including a matching function and a leveling function for ensuring complete capture of the long receipts.

21. The method of claim 13, further comprising providing a customer user interface that provides the customer with an option to suppress purchases from appearing.

22. The method of claim 13, wherein the information at the location referenced by the URL includes an order number, a product code, and an item description.

23. The method of claim 13, wherein the information at the location referenced by the URL includes a ship from postal code and a destination postal code.

24. The method of claim 13, wherein the computer processor is further programmed to provide an option for receipt printing.