Systems and methods for second tap e-receipt option for NFC-enabled payment vehicles
AssigneeWorldpay, LLC
InventorChance Ulrich
Life of this patent
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Abstract
Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location. The systems and methods include a near field communication (NFC) reader and an NFC-enabled payment vehicle. A POS terminal processes a payment transaction after an initial interaction between the NFC reader and the NFC-enabled payment vehicle. An e-receipt is generated when a second interaction is detected between the NFC reader and the NFC-enabled payment vehicle.
Claims20
A computer-implemented method of managing electronic payment transactions at a merchant location, the method comprising:
- initiating a check-out procedure for a consumer to complete a payment transaction at a point-of-sale (POS) terminal associated with a merchant;
- prompting the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
- receiving an indication that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
- receiving customer data from the NFC-enabled payment vehicle;
- processing the payment transaction with the received customer data;
- receiving an indication that the NFC-enabled payment vehicle interacted a second time with the POS terminal;
- generating an e-receipt as a result of the second NFC interaction, the e-receipt comprising customizable features including consumer incentive features, interactive coupons, and/or loyalty rewards for the consumer;
- and
- transmitting the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
A system for managing electronic payment transactions at a merchant location, the system comprising:
- a data storage device storing instructions for managing electronic payment transactions at a merchant location;
- and
- a processor configured to execute the instructions to perform a method including the steps of:
- initiating a check-out procedure for a consumer to complete a payment transaction at a point-of-sale (POS) terminal associated with a merchant;
- prompting the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
- receiving an indication that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
- receiving customer data from the NFC-enabled payment vehicle;
- processing the payment transaction with the received customer data;
- receiving an indication that the NFC-enabled payment vehicle interacted a second time with the POS terminal;
- generating an e-receipt as a result of the second NFC interaction, the e-receipt comprising customizable features including consumer incentive features, interactive coupons, and/or loyalty rewards for the consumer;
- and
- transmitting the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
A non-transitory computer readable medium for use on at least one computer system containing computer-executable programming instructions for managing electronic payment transactions at a merchant location, the method comprising:
- initiating a check-out procedure for a consumer to complete a payment transaction at a point-of-sale (POS) terminal associated with a merchant;
- prompting the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
- receiving an indication that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
- receiving customer data from the NFC-enabled payment vehicle;
- processing the payment transaction with the received customer data;
- receiving an indication that the NFC-enabled payment vehicle interacted a second time with the POS terminal;
- generating an e-receipt as a result of the second NFC interaction, the e-receipt comprising customizable features including consumer incentive features, interactive coupons, and/or loyalty rewards for the consumer;
- and
- transmitting the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
Dependencies are inferred from the claim text.