Real-time transaction and receipt processing systems

A method comprising:

• receiving, from a user device, a receipt preference comprising a first option to send a prompt to the user device for a real-time receipt delivery preference at a point of sale associated with a transaction prior to any receipt being sent to the user device;
• responsive to receiving the receipt preference, setting a receipt flag to instruct a merchant device to:
• initiate a direct wireless communication session with the user device;
• transmit information associated with the transaction to the user device;
• receive the real-time receipt delivery preference from the user device;
• and
• transmit the receipt to the user device based on the real-time receipt delivery preference;
• receiving, from the merchant device, a purchase authorization request associated with an attempted purchase;
• authorizing the attempted purchase;
• generating an authorization message comprising the receipt flag and an authorization for the merchant device to complete the attempted purchase;
• and
• transmitting the authorization message to the merchant device.

A method comprising:

• receiving, from a user device, user receipt preferences comprising a rule that specifies a user wants to decide in real-time at a point of sale whether to receive a receipt prior to any receipt being sent to the user device;
• receiving, from a payment device, customer payment information;
• generating, at a merchant device, a purchase authorization request;
• transmitting, to a transaction server, the purchase authorization request;
• receiving, from the transaction server, an authorization message instructing the merchant device to (i) authorize a transaction and (ii) initiate a peer-to-peer communication session between the merchant device and the user device;
• creating, with the merchant device, a peer-to-peer real-time communication session;
• receiving, from the user device, a receipt status indicating that the user wishes to receive an electronic receipt associated with the transaction;
• and
• transmitting, to the user device, the electronic receipt associated with the transaction via the peer-to-peer communication session.