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1. (WO2015179316) COLLECTE D'INFORMATIONS DE TRANSACTION POUR EXPÉRIENCE DE PAIEMENT MOBILE
Note: Texte fondé sur des processus automatiques de reconnaissance optique de caractères. Seule la version PDF a une valeur juridique

CLAIMS

What is claimed is:

1. A method comprising:

sending from a first computer system operated by an interactive payment experience provider, to a second computer system operated by a payment card network or a payment card issuer, an instruction to cause the second computer system to designate a financial account of a consumer as being enrolled for an interactive payment service, the instruction further being for requesting the second computer system to send item-level transaction information of the payment transaction to the first computer system in response to recognition that the financial account is designated with said designation, wherein the first computer system of the interactive payment experience provider has access to information of the financial account of the consumer and information to enable the first computer system to communicate with a mobile device of the consumer;

receiving, at the first computer system from the second computer system, item-level transaction information of a payment transaction that includes item-level information about goods or services involved in the payment transaction, an amount of the payment transaction, an identification of the financial account and an identity of a merchant of the payment transaction, in response to the second computer system having received a request for authorization of the payment transaction, wherein the interactive payment experience provider is not a participant in processing the payment transaction and is not in a payment transaction message flow between the merchant and a card issuer involved in the transaction;

generating, at the first computer system, a digital transaction receipt based on the item-level transaction information, the digital transaction receipt being indicative of the payment transaction; and

transmitting, from the first computer system to the mobile device of the consumer, an instruction for a mobile application of the mobile device to present the digital transaction receipt as an interactive user interface element.

2. The method of claim 1 , wherein said transmitting comprises transmitting an instruction for the mobile application to present the digital transaction receipt so as to list item-level information associated with the payment transaction, the item-level information relating to goods or services involved in the payment transaction.

3. The method of claim 1 , wherein said transmitting comprises transmitting an instruction for the mobile application to present the digital transaction receipt so as to include an interface element to enable the consumer to specify a gratuity amount of the payment transaction; and

the method further comprising:

sending, from the first computer system to the second computer system, a request to adjust the amount of the payment transaction based on the gratuity amount.

4. The method of claim 1 , wherein said transmitting comprises transmitting an instruction for the mobile application to present the digital transaction receipt so as to include an interface element to enable the consumer to specify a promotional code; and

the method further comprising:

sending, from the first computer system to the second computer system, a request to confirm a validity of the promotional code and to adjust the amount of the payment transaction based on a promotion associated with the promotional code if the promotional code is valid.

5. The method of claim 1 , wherein said transmitting comprises transmitting an instruction for the mobile application to present the digital transaction receipt including an interface element to enable the consumer to specify a comment that relates to the payment transaction.

6. A computer system comprising:

a networking component to communicate with external computer systems; a processor; and

a memory storing instructions with, when executed by the processor, cause the computer system to perform a process that includes:

receiving, from a mobile device of a consumer, a message indicative of the consumer enrolling a financial account of the consumer for an interactive payment service;

sending, to a first computer device of a payment processing entity, an instruction to include information identifying the financial account in a database, the database including information identifying financial accounts that are enrolled for the interactive payment service;

receiving, from the first computer device, transaction information of a payment transaction that relates to the financial account of the consumer;

in response to the received transaction information, sending, to the mobile device of the consumer, an interactive digital receipt for the payment transaction.

7. The computer system of claim 6, wherein the process further includes:

receiving, from the first computer device, a message to confirm that the payment transaction is completed.

8. The computer system of claim 6, wherein the digital receipt includes an interactive element to enable the merchant to specify a gratuity amount for the payment transaction on the mobile device; and wherein the process further includes: sending, to the first computer device, a request to adjust an amount of the payment transaction based on the gratuity amount.

9. The computer system of claim 6, wherein the digital receipt lists goods or services involved in the payment transaction and includes links to websites or mobile applications that provide further information about the goods or services.

10. A computer system comprising:

a networking component to communicate with external computer systems; a processor; and

a memory storing instructions which, when executed by the processor, cause the computer system to perform a process including:

maintaining a database including information of financial accounts that have a predetermined classification;

receiving a request for authorizing a payment transaction that involves a financial account of a consumer;

recognizing that the financial account of the consumer has the predetermined classification based on the database; and

in response to recognition that the financial account of the consumer has the predetermined classification, sending transaction information of the payment transaction to a payment service system.

11. The computer system of claim 10, wherein the process further includes:

authorizing the payment transaction in response to the request.

12. The computer system of claim 10, wherein the process further includes:

receiving, from the payment service system, an instruction to apply the predetermined classification to a financial account of the consumer; and

adding information of the financial account of the consumer to the database.

13. The computer system of claim 10, wherein the transaction information includes item-level information relating to goods or services involved in the payment transaction, and wherein said sending comprises:

sending, to a mobile device of the consumer via the external computer system, the item-level information to enable the mobile device to present a digital receipting listing the goods or services involved in the payment transaction to the consumer.

14. A method comprising:

receiving, at a first computer system, a request for initiating a payment transaction that relates to a financial account;

determining, at the first computer system, whether the financial account has a predetermined classification; and

in response to determining that the financial account has the predetermined classification, sending, from the first computer system to a second computer system, item-level information about goods or services involved in the payment transaction.

15. The method of claim 14, further comprising:

receiving, at the first computer system from the second computer system, an instruction to include the data identifying the financial account in a database of financial accounts that have the predetermined classification.

16. The method of claim 15, wherein the instruction to include the data identifying the financial account in the database is responsive to a user request to enroll in a service for receiving interactive user interfaces for payment transactions relating to the financial account.

17. The method of claim 14, further comprising:

sending, to a payment processing server, a request for authorizing he payment transaction with a processing fee discount for providing the item-level information.

18. The method of claim 14, further comprising:

sending, from the first computer system to a second computer system, transaction information of the payment transaction, the transaction information including an amount of the payment transaction, an identification of the financial account and an identity of the merchant.

19. The method of claim 14, further comprising:

generating, at the first computer system, a digital receipt indicating the goods or services involved in the payment transaction.

20. The method of claim 19, further comprising:

transmitting, to a mobile device via the second computer system, the digital receipt to cause the mobile device to present the digital receipt to a user of the mobile device.

21. A computing device comprising:

a networking component to communicate with external computer systems; a processor; and

a memory storing instructions with, when executed by the processor, cause the computing device to perform a process including:

sending, to a first computer system of a merchant, an instruction for signing up a financial account for transaction information collection and for sending transaction information of any payment transaction that has been enrolled for the transaction information collection to the computing device;

receiving, from the first computer system of the merchant, transaction information of a payment transaction relating to the financial account; and

transmitting, to a mobile device, an instruction to present a digital receipt for the payment transaction based on the transaction information.

22. The computing device of claim 21 , wherein the process further includes:

receiving, from the first computer system of the merchant, a message confirming that the payment transaction is completed.

23. The computing device of claim 21 , wherein the transaction information includes item-level information relating to goods or services involved in the payment transaction.

24. The computing device of claim 23, wherein the process further includes:

generating the digital receipt listing goods or services involved in the payment transaction based on the item-level information.

25. The computing device of claim 21 , wherein the process further includes:

generating the digital receipt including an option to enable a user to specify a gratuity amount for the payment transaction; and

sending a request to adjust an amount of the payment transaction based on the gratuity amount.

26. The computing device of claim 21 , wherein the process further includes:

generating the digital receipt including an option to enable a user to specify a comment relating to an item or service involved in the payment transaction or relating to the merchant.

27. The computing device of claim 21 , wherein the process further includes:

generating the digital receipt including a link to a website or a mobile application for managing the financial account.