Purchase data transmission and analysis system

• US 10,453,038 B2
• Filed: 10/05/2017
• Issued: 10/22/2019
• 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 A.
• Primary Examiner(s): Glass, Russell S
• Application Number:
  US15/725,406
• Publication Number:
  US 20180046991A1
• Time in Patent Office: 747 Days
• Field of Search: 705 30
• 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 system for facilitating purchase data capture and analysis, the system operating over a network and in conjunction with a user mobile device and a merchant computing system, the system comprising:

at least one computer memory storing instructions;

at least one computer processor accessing the at least one computer memory and executing the stored instructions for performing steps including;

receiving transaction information from a merchant;

providing an image capture application for the mobile device for processing an image capture request from a user to capture a receipt, wherein processing the request includes providing a leveling function and a matching function, the leveling function ensuring that the receipt information is fully captured based on an angle between the user mobile device and the receipt and the matching function ensuring that each edge of a captured receipt portion matches an edge of another captured receipt portion;

matching the captured customer receipt with the transaction information from the merchant; and

analyzing 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.

2. The system of claim 1, wherein the steps further include 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.

3. The system of claim 2, wherein the steps further include retrieving information at a location referenced by the URL, wherein the information includes a merchant identifier, and line item data related to a purchase and attaching the retrieved data to the transaction authorization stream to create a complete description of the transaction.

4. The system of claim 1, wherein the at least one computer processor is further programmed to provide a customer interface including product information for purchased products.

5. The system of claim 1, wherein the at least one computer processor is further programmed to provide a merchant interface identifying lapsed customers.

6. The system of claim 2, wherein the at least one computer processor is further programmed to receive data from both the merchant and the customer for storage in the location referenced by the URL.

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

8. The system of claim 1, wherein the at least one computer processor is further programmed to provide a customer user interface that provides the customer with an option to suppress purchases from appearing on the customer interface.

9. The system of claim 2, wherein the information at the location referenced by the URL includes an order number, a product code, and an item description.

10. A method for facilitating purchase data capture and analysis, the method operating over a network and in conjunction with a user mobile device and a merchant computing system, the method comprising:

storing instructions in at least one computer memory;

utilizing at least one computer processor accessing the at least one computer memory and executing the stored instructions for performing steps including;

receiving transaction information from a merchant;

providing an image capture application for the mobile device for processing an image capture request from a user to capture a receipt, wherein processing the request includes providing a leveling function and a matching function, the leveling function ensuring that the receipt information is fully captured based on an angle between the user mobile device and the receipt and the matching function ensuring that each edge of a captured receipt portion matches an edge of another captured receipt portion;

matching the captured customer receipt with the transaction information from the merchant; and

analyzing 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.

11. The method of claim 10, further comprising 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.

12. The method of claim 11, further comprising retrieving information at a location referenced by the URL, wherein the information includes a merchant identifier, and line item data related to a purchase and attaching the retrieved data to the transaction authorization stream to create a complete description of the transaction.

13. The method of claim 10, further comprising providing a customer interface including product information for purchased products.

14. The method of claim 10, further comprising providing a merchant interface identifying lapsed customers.

15. The method of claim 11, further comprising receiving data from both the merchant and the customer for storage in the location referenced by the URL.

16. The method of claim 15, wherein the data from the customer includes the captured receipt image.

17. The method of claim 10, further comprising providing a customer user interface that provides the customer with an option to suppress purchases from appearing on the customer interface.

18. The method of claim 11, wherein the information at the location referenced by the URL includes an order number, a product code, and an item description.

19. A non-transitory computer readable medium storing instructions executable by a computer processor for performing a method for facilitating purchase data capture and analysis, the method operating over a network and in conjunction with a user mobile device and a merchant computing system steps including:

receiving transaction information from a merchant computing system;

providing an image capture application for the mobile device for processing an image capture request from a user to capture a receipt, wherein processing the request includes providing a leveling function and a matching function, the leveling function ensuring that the receipt information is fully captured based on an angle between the user mobile device and the receipt and the matching function ensuring that each edge of a captured receipt portion matches an edge of another captured receipt portion;

matching the captured customer receipt with the transaction information from the merchant; and

analyzing 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.

20. The computer readable medium of claim 19, further comprising instructions for 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.