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US 8,429,048 B2Granted
System and method for processing payment transaction receipts
AssigneeVisa International Service Association
InventorShantnu Singh
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to systems and methods for processing payment transaction receipts. When an authorization request message for a transaction of a consumer is received, it is determined whether an account associated with the consumer's portable consumer device is enrolled in an electronic receipt program. If the account is enrolled, an electronic receipt for the transaction is sent to the consumer.
Claims24
A method of sending electronic receipts to a consumer comprising:
- receiving at a server computer associated with a payment processing network, an authorization request message associated with a transaction, the authorization request message including transaction information associated with a portable consumer device of the consumer;
- determining by the server computer associated with the payment processing network, using the authorization request message, whether an account associated with the portable consumer device is enrolled in an electronic receipt program;
- and
- sending, by the server computer associated with the payment processing network, an electronic receipt to the consumer based on determining that the account is enrolled in the electronic receipt program, the electronic receipt having financial data associated with the transaction.
1 more element
A server computer associated with a payment processing network comprising:
- an enrollment module having enrollment information associated with an account for a portable consumer device of a consumer, wherein the enrollment information indicates enrollment in an electronic receipt program;
- a payment processing module for receiving an authorization request message associated with a transaction of the portable consumer device, the authorization request message including transaction information associated with the portable consumer device, and for determining, using the authorization request message, whether the account associated with the portable consumer device is enrolled the electronic receipt program;
- and
- a mobile gateway module for sending an electronic receipt to the consumer if the enrollment information indicates the account is enrolled in the electronic receipt program, the electronic receipt having financial data associated with the transaction.
1 more element
A method for receiving electronic receipts comprising:
- sending an authorization request message associated with a transaction to a server computer associated with a payment processing network, the authorization request message including transaction information associated with a portable consumer device of a consumer;
- and
- receiving by the consumer an electronic receipt having financial data associated with the transaction based on a determination by the server computer associated with the payment processing network using the authorization request message that an account associated with the portable consumer device is enrolled in an electronic receipt program.
A method of sending electronic receipts to a consumer comprising:
- receiving, at a server computer associated with a payment processing network, an authorization response message associated with a transaction, the authorization response message including an indication that the transaction was approved;
- determining, by the server computer associated with the payment processing network, using the authorization response message, that an account associated with the portable consumer device is enrolled in an electronic receipt program;
- determining, by the server computer associated with the payment processing network, that the transaction was approved based on the authorization response message;
- sending, by the server computer associated with the payment processing network, an electronic receipt to the consumer based on the determination that the account associated with the portable consumer device is enrolled in an electronic receipt program and based on the determination that the transaction was approved.
1 more element
Dependencies are inferred from the claim text.