# US 10,482,433 B1 · Real-time transaction and receipt processing systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,482,433 B1 - Document ID: US10482433B1 - Status: Granted - Kind: B1 - Application number: 16/394,294 - Filed: 2019-04-25 - Granted: 2019-11-19 - Earliest claimed: 2019-04-25 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Jeffrey Paul Myren - Web page: https://patentgrep.com/patent/US10482433B1 ## CPC - G06Q 20/047: {using payment protocols involving electronic receipts} - G07F 17/42: for ticket printing or like apparatus {, e.g. apparatus for dispensing of printed paper tickets or payment cards} - G06Q 20/0457: {the tickets being sent electronically} - G06Q 20/102: {Bill distribution or payments} - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/407: {Cancellation of a transaction} - G06Q 30/04: Billing or invoicing - G07G 5/00: Receipt-giving machines - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - G07G: REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS ## Abstract A transaction processing system for performing one or more steps of a method is disclosed. The system may receive user receipt preferences including rules specifying whether or not a user wants a receipt. The system may also receive (i) a purchase authorization request associated with an attempted purchase and (ii) user device location data. The system may further set a receipt flag corresponding to the receipt status. If the system determines that the transaction is to be authorized, it attaches the receipt flag to the authorization message and transmits the authorization message to the merchant. Alternatively, if the system determines that the transaction is not to be authorized, it attaches the receipt flag to the cancellation message and transmits the cancellation message to the merchant. ## Claims ### Claim 1 A transaction processing system, the system comprising: one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the system to: receive, from a user device associated with a user, user receipt preferences comprising rules that specify whether the user wants a receipt, wants to decide at a point of sale, or does not want a receipt; receive, from a merchant device, a purchase authorization request associated with an attempted purchase comprising a transaction amount, a financial account number associated with an account of the user, and a merchant category code (MCC); receive, from the user device, location data; determine, based on the user receipt preferences and the location data, a receipt status; responsive to determining that the receipt status indicates that the user wishes to receive a receipt, set a receipt flag to indicate that the merchant device should provide the user with a receipt; responsive to determining that the receipt status indicates that the user does not wish to receive a receipt, set the receipt flag to indicate that the merchant device should not provide the user with the receipt; responsive to determining that the receipt status indicates that the user wishes to determine at the point of sale, set the receipt flag to indicate the merchant device should attempt to initiate a direct wireless communication session with the user device; responsive to determining that the attempted purchase should be authorized, generate an authorization message and transmit, to the merchant device, the authorization message comprising the receipt flag and data indicative that the merchant device is authorized to complete the attempted purchase; and responsive to determining that the attempted purchase should not be authorized, generate a cancellation message and transmit, to the merchant device, the cancellation message comprising the receipt flag and data indicative that the merchant device should cancel the attempted purchase. ### Claim 2 (depends on 1) The system of claim 1, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts when it is determined, based on the location data, that the user device is at least a predetermined distance away from a specified location. ### Claim 3 (depends on 1) The system of claim 1, wherein receiving the location data comprises: receiving, from an application running on the user device, GPS data comprising the coordinates of the user device. ### Claim 4 (depends on 1) The system of claim 1, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts from certain types of merchants and wherein the type of merchant is determined based on the MCC. ### Claim 5 (depends on 1) The system of claim 1, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts for transactions over a predetermined amount. ### Claim 6 (depends on 1) The system of claim 1, wherein the user receipt preferences further comprise rules that specify whether a user wants a printed receipt or an electronic receipt. ### Claim 7 (depends on 6) The system of claim 6, further comprising instructions to cause the system to: responsive to determining that the receipt status indicates that the user wishes to receive the electronic receipt, set the receipt flag to indicate that the merchant device should provide the user with the electronic receipt. ### Claim 8 (depends on 6) The system of claim 6, further comprising instructions to cause the system to: receive, from the user device, a delivery location comprising a location for delivery of the electronic receipt. ### Claim 9 (depends on 1) The system of claim 1, wherein the purchase authorization request further comprises a time stamp and the user receipt preferences comprise data indicating that the user only wishes to receive receipts for transactions that occur in a predetermined time interval. ### Claim 10 A method for enhanced transaction processing, the method comprising: receiving, from a user device associated with a user, user receipt preferences comprising rules that specify whether a user wants a receipt, does not want a receipt, or wants to determine at a point of sale; receiving, from a merchant device, a purchase authorization request associated with an attempted purchase comprising a merchant code; receiving, from the user device, location data; determining, based on the user receipt preferences and the location data, a receipt status; responsive to determining that the receipt status indicates that the user wishes to receive a receipt, setting a receipt flag to indicate that the merchant device should provide the user with the receipt; responsive to determining that the receipt status indicates that the user does not wish to receive a receipt, setting the receipt flag to indicate that the merchant device should not provide the user with the receipt; responsive to determining that the receipt status indicates that the user wishes to determine at the point of sale, setting the receipt flag to indicate the merchant device should attempt to initiate a direct communication session with the user device; responsive to determining that the attempted purchase should be authorized, generating an authorization message and transmit, to the merchant device, the authorization message comprising the receipt flag and data indicative that the merchant device is authorized to complete the attempted purchase; and responsive to determining that the attempted purchase should not be authorized, generating a cancellation message and transmit, to the merchant device, the cancellation message comprising the receipt flag and data indicative that the merchant device should cancel the attempted purchase. ### Claim 11 (depends on 10) The method of claim 10, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts when it is determined, based on the location data, that the user device is at least a predetermined distance away from a specified location. ### Claim 12 (depends on 10) The method of claim 10, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts from certain types of merchants. ### Claim 13 (depends on 12) The method of claim 12, wherein the type of merchant is determined based on the merchant code. ### Claim 14 (depends on 10) The method of claim 10, wherein the user receipt preferences comprise data indicating that the user only wishes to receive receipts for transactions over a predetermined amount. ### Claim 15 (depends on 10) The method of claim 10, wherein the purchase authorization request further comprises a time stamp and the user receipt preferences comprise data indicating that the user only wishes to receive receipts for transactions that occur in a predetermined time interval. ### Claim 16 A transaction processing device, the device comprising: one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the device to: receive, from a payment device, customer payment information; generate a purchase authorization request for a transaction comprising a transaction amount, a financial account number associated with an account of a user, and a merchant code; transmit, to an authorization device, the purchase authorization request; receive, from the authorization device, an authorization message indicating that the purchase should be authorized and that a near-field communication session between a merchant device and a user device associated with the user should be initiated; responsive to receiving the authorization message, transmitting, to the user device, transaction data comprising the transaction amount and the merchant code; receive, from the user device, a receipt status indicating that the user wishes to receive an electronic receipt; and transmit, to the user device via the near-field communication session, the electronic receipt associated with the transaction. ### Claim 17 (depends on 16) The device of claim 16, wherein the user device and the payment device are the same device. ### Claim 18 (depends on 16) The device of claim 16, wherein the receipt status includes data indicating a location that the merchant device should send the electronic receipt. ### Claim 19 The device of 16, wherein the user device automatically determines, based on the transaction data and user preference data, the receipt status. ### Claim 20 (depends on 16) The device of claim 16, wherein the user device prompts the user to determine the receipt status.