Systems and methods to generate a receipt for a transaction

• US 10,078,837 B2
• Filed: 09/26/2014
• Issued: 09/18/2018
• Est. Priority Date: 03/16/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Ovick, Joseph Bjorn, Carlson, Mark, Hagey, Ryan, Reid, Margaret, Stan, Patrick, Wright, Patrick, Koganti, Krishna Prasad, Powell, Glenn, Kumnick, Phillip Lyle, Kim, Nancy L.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US14/498,774
• Publication Number:
  US 20150019435A1
• Time in Patent Office: 1,453 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• 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

Abstract

A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

Claims

1. A computer-implemented method, comprising:

generating and sending, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler;

receiving, in the transaction handler, the authorization request from the transaction terminal;

determining, in the transaction handler, whether user-offer information is available to present to a user;

in response to determining the user-offer information is available to present to the user, generating and sending, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user;

receiving, in the transaction terminal, the authorization response;

determining, by the transaction terminal, whether the authorization response includes the receipt service indicator;

in response to a determination that the authorization response includes the receipt service indicator, generating, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user;

sending, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse;

in response to receiving the receipt request from the transaction terminal, retrieving, by the portal, the user-offer information available to present to the user from the data warehouse;

in response to retrieving the user-offer information available to present to the user from the data warehouse, generating, by the portal, a receipt response including the user-offer information to present to the user;

sending, by the portal, the receipt response to the transaction terminal; and

in response to receiving the receipt response from the portal, generating, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse.

2. The method of claim 1, wherein the communicating with the portal is performed without communicating with the transaction handler.

3. The method of claim 2, wherein the user-offer information identifies an amount of a benefit of an offer applied to the transaction but not reflected in the authorization response.

4. The method of claim 3, further comprising:

inserting the user-offer information at a predetermined location of the receipt generated without communicating with the portal.

5. The method of claim 3, wherein the receipt of the transaction includes purchase details related to the transaction.

6. The method of claim 3, further comprising:

in response to receiving the receipt response at the transaction terminal, presenting a user interface on the transaction terminal to receive an input from a user of the payment account.

7. The method of claim 6, wherein the user interface is configured to allow the user to select an option from a set of options, the set of options including at least one of:

a first option to suppress printing the paper receipt at the transaction terminal and receive the electronic receipt at a communication reference of the user;

a second option to omit purchase details of the transaction in the paper receipt produced at the transaction terminal and receive the electronic receipt that includes the purchase details; and

a third option to print the electronic receipt that is displayed on the transaction terminal.

8. The method of claim 6, wherein the user interface is configured to present the user-offer information received via the receipt response relating to at least one of:

the offer, the payment account, a reward account related to the payment account, the transaction handler, and an issuer of the payment account.

9. The method of claim 6, wherein the communication between the transaction terminal and the portal is secured via information transmitted in the authorization response.

10. The method of claim 9, wherein the information transmitted in the authorization response includes at least one of:

an encryption key to be used in the communicating; and

an identifier assigned to represent the payment account during the communicating.

11. A computing apparatus, comprising:

at least one microprocessor; and

memory storing instructions configured to instruct the at least one microprocessor to at least;

generate and send, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler;

receive, in the transaction handler, the authorization request from the transaction terminal;

determine, in the transaction handler, whether user-offer information is available to present to a user;

in response to determining the user-offer information is available to present to the user, generate and send, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user;

receive, in the transaction terminal, the authorization response;

determine, by the transaction terminal, whether the authorization response includes the receipt service indicator;

in response to a determination that the authorization response includes the receipt service indicator, generate, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user;

send, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse;

in response to receiving the receipt request from the transaction terminal, retrieve, by the portal, the user-offer information available to present to the user from the data warehouse;

in response to retrieving the user-offer information available to present to the user from the data warehouse, generate, by the portal, a receipt response including the user-offer information to present to the user;

send, by the portal, the receipt response to the transaction terminal; and

in response to receiving the receipt response from the portal, generate, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse.

12. The computing apparatus of claim 11, wherein the receipt response is received from the portal without communicating through the transaction handler.

13. The computing apparatus of claim 11, wherein the receipt response includes the user-offer information identifying an amount of a benefit of an offer applied to the transaction but not reflected in the authorization response.

14. The computing apparatus of claim 13, wherein the instructions are further configured to instruct the at least one microprocessor to:

insert the user-offer information at a predetermined location of the receipt generated without communicating with the portal.

15. The computing apparatus of claim 13, wherein the instructions are further configured to instruct the at least one microprocessor to:

provide purchase details related to the transaction;

wherein the information for the receipt of the transaction includes the receipt generated by the portal to include the purchase details provided by the transaction terminal.

16. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to at least:

generate and send, by a transaction terminal, an authorization request for a transaction in a payment account in a payment network interconnected by a transaction handler;

receive, in the transaction handler, the authorization request from the transaction terminal;

determine, in the transaction handler, whether user-offer information is available to present to a user;

in response to determining the user-offer information is available to present to the user, generate and send, by the transaction handler, an authorization response including a receipt service indicator indicating that the user-offer information is available to present to the user;

receive, in the transaction terminal, the authorization response;

determine, by the transaction terminal, whether the authorization response includes the receipt service indicator;

in response to a determination that the authorization response includes the receipt service indicator, generate, by the transaction terminal, a receipt request to retrieve the user-offer information available to present to the user;

send, by the transaction terminal, the receipt request to a portal that is coupled with the transaction handler and a data warehouse;

in response to receiving the receipt request from the transaction terminal, retrieve, by the portal, the user-offer information available to present to the user from the data warehouse;

in response to retrieving the user-offer information available to present to the user from the data warehouse, generate, by the portal, a receipt response including the user-offer information to present to the user;

send, by the portal, the receipt response to the transaction terminal; and

in response to receiving the receipt response from the portal, generate, by the transaction terminal, a receipt of the transaction, the receipt of the transaction comprising at least one of an electronic receipt and a paper receipt, the receipt of the transaction including the user-offer information to present to the user sent from the data warehouse.

17. The medium of claim 16, wherein the user-offer information identifies an amount of a benefit of an offer applied to the transaction but not reflected in the authorization response;

and the instructions are further configured to instruct the computing apparatus to;

in response to receiving the receipt response from the portal, present a user interface on the transaction terminal to receive an input from a user of the payment account.

18. The medium of claim 17, wherein the user interface is configured to allow the user to select an option from a set of options, the set of options including at least one of:

a first option to suppress printing the paper receipt at the transaction terminal and receive the electronic receipt at a communication reference of the user;

a second option to omit purchase details of the transaction in the paper receipt produced at the transaction terminal and receive the electronic receipt that includes the purchase details; and

a third option to print the electronic receipt that is displayed on the transaction terminal.

19. The medium of claim 17, wherein the user interface is configured to present the user-offer information together with receipt information and related to at least one of:

the offer, the payment account, a reward account related to the payment account, the transaction handler, and an issuer of the payment account.

20. The medium of claim 17, wherein the instructions are further configured to instruct the computing apparatus to:

identify first information transmitted in the authorization response to the transaction terminal; and

establish a secure communication connection between the portal and the transaction terminal using the first information transmitted in the authorization response.