A system operated by a payment processing service, the payment processing service facilitating processing of purchase transactions on behalf of a plurality of merchants, the system comprising:
- a processor;
- a database accessible to the processor to store first association data and second association data;
- an invoice generation module operatively coupled to the processor and configured to:
- receive, via a computer network from a first merchant point-of-sale (POS) system, a request to generate an invoice for a first transaction initiated at the first merchant POS system between a customer and a first merchant, the request including a particular customer identifier associated with the customer, the particular customer identifier including any of an email address, a telephone number, or a payment card number;
- access, from the database, first association data specifying a first set of associations between customer identifiers and transactions;
- identify, using the first set of associations specified in the first association data, a set of prior transactions associated with the customer, based on the particular customer identifier;
- identify, based on the set of prior transactions, a set of merchants corresponding to the set of prior transactions, the set of merchants including one or more merchants involved in the set of prior transactions with the customer;
- generate the invoice for the first transaction with the first merchant by using the identified set of merchants, such that the invoice includes a recommendation of the set of merchants at which to pay the invoice;
- and
- store, in the database, the invoice in association with the particular customer identifier associated with the customer;
- and
- an invoice management module coupled to the processor and configured to:
- receive, via the computer network from a second merchant POS system, transaction data for a second transaction initiated at the second merchant POS system between the customer and a second merchant, the transaction data including the particular customer identifier associated with a payment card used by the customer to initiate the second transaction at the second merchant POS system;
- access, from the database, second association data specifying a second set of associations between the customer identifiers and invoices;
- identify, using the second set of associations specified in the second association data, the invoice associated with the particular customer identifier, the invoice being for the first transaction initiated at the first merchant POS system with the first merchant, wherein the first merchant is not the second merchant;
- responsive to identification of the invoice, generate, for display at the second merchant POS system, an invoice payment invitation based on the invoice, the invoice payment invitation including a promotion to provide an incentive to the customer to pay the invoice associated with the first transaction, the promotion including a discount for a transaction item associated with the second merchant;
- receive, via the computer network from the second merchant POS system, invoice payment information indicative that a payment has been authorized at the second merchant POS system for the invoice associated with the first transaction;
- and
- transmit, via the computer network, a notification of the payment received for the invoice to the first merchant POS system.