Method and system for matching an electronic sales receipt to a user for a customer purchase transaction

1 . A method of matching transaction data and sales receipt data to a user for a customer purchase transaction, the method comprising:

a merchant computing system receiving payment instrument information via a payment instrument provided to complete payment for the customer purchase transaction comprising at least one of: a Primary Account Number (PAN), a token corresponding to the PAN, or PAN derivatives;

the merchant computing system communicating the payment instrument information to a payment processor computing system;

the payment processor computing system:

processing payment;

storing payment data for the purchase transaction comprising a total billable amount without a line-item breakdown in a payment processor datastore including reference to a customer Payment Account Reference (PAR), wherein the PAR identifies the user and not the payment instrument; and

confirming processing of the payment with the merchant computing system;

the merchant computing system:

completing the purchase transaction; and

storing sales receipt data comprising line-item level data in a merchant datastore;

a sales receipt computing system, on which the customer PAR associated with the user is stored, receiving the payment data generated by the payment processor computing system, wherein the user is identified by the customer PAR and not by the payment instrument;

the sales receipt computing system receiving the sales receipt data generated by the merchant computing system; and

the sales receipt computing system matching the payment data and the sales receipt data with the user using the customer PAR identifying the user and without requiring the payment instrument or payment instrument information comprising a PAN or a token corresponding to the PAN or PAN derivatives, wherein the matching enables issuance of an electronic sales receipt to the user.

2 . The method of claim 1 , wherein the customer PAR is provided with the payment instrument.

3 . The method of claim 1 , wherein the customer PAR is provided to the payment processor computing system as part of payment processing.

4 . The method of claim 3 , wherein the customer PAR is provided to the payment processor computing system by an acquirer, card scheme, or issuer computing system.

5 . The method of claim 1 , further comprising:

the sales receipt computing system:

receiving a primary account number (PAN) or PAN token or PAN equivalent;

sending the PAN or PAN token or PAN equivalent to an issuer or card scheme to request the PAR corresponding to the PAN or PAN token or PAN equivalent;

receiving the customer PAR in response to the request; and

storing the customer PAR.

6 . The method of claim 1 , wherein processing payment comprises providing payment instrument information to and receiving payment data for the purchase transaction in response from one or more of: an acquirer, a card scheme, and an issuer.

7 . The method of claim 1 , wherein the payment processing confirmation comprises a payment authorization message sent to one or more of: the merchant computing system, an acquiring computing system, a card scheme computing system, card issuing computing system, and the sales receipt computing system.

8 . The method of claim 1 , wherein payment data received by the sales receipt computing system is provided by the payment processor computing system.

9 . The method of claim 8 , wherein the payment processor computing system provides the sales receipt computing system the payment data when payment processing is confirmed.

10 . The method of claim 8 , wherein receiving the payment data comprises the sales receipt computing system:

requesting payment data from the payment processor computing system using the customer PAR; and

receiving, in response to the request, the payment data stored in the payment processor datastore including reference to the customer PAR.

11 . The method of claim 10 , wherein receiving the payment data from the payment processor computing system further comprises the payment processor computing system:

receiving the request for payment data from the sales receipt computing system;

identifying the payment data stored in the payment processor datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified payment data stored in the payment processor datastore including reference to the customer PAR.

12 . The method of claim 1 , wherein payment data received by the sales receipt computing system is provided by an acquirer computing system involved in the processing of the payment.

13 . The method of claim 12 , wherein the acquirer computing system provides the sales receipt computing system the payment data when payment processing is confirmed.

14 . The method of claim 12 , wherein receiving the payment data comprises the sales receipt computing system:

requesting payment data from the acquirer computing system using the customer PAR; and

receiving, in response to the request, the payment data stored in an acquirer datastore including reference to the customer PAR.

15 . The method of claim 14 , wherein receiving the payment data from the acquirer computing system further comprises the acquirer computing system:

receiving the request for payment data from the sales receipt computing system;

identifying the payment data stored in the acquirer datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified payment data stored in the acquirer datastore including reference to the customer PAR.

16 . The method of claim 1 , wherein payment data received by the sales receipt computing system is provided by a card scheme computing system involved in the processing of the payment.

17 . The method of claim 16 , wherein the card scheme computing system provides the sales receipt computing system the payment data when payment processing is confirmed.

18 . The method of claim 16 , wherein receiving the payment data comprises the sales receipt computing system:

requesting payment data from the card scheme computing system using the customer PAR; and

receiving, in response to the request, the payment data stored in a card scheme datastore including reference to the customer PAR.

19 . The method of claim 18 , wherein receiving the payment data from the card scheme computing system further comprises the card scheme computing system:

receiving the request for payment data from the sales receipt computing system;

identifying the payment data stored in the card scheme datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified payment data stored in the card scheme datastore including reference to the customer PAR.

20 . The method of claim 1 , wherein payment data received by the sales receipt computing system is provided by an issuer computing system involved in the processing of the payment.

21 . The method of claim 20 , wherein the issuer computing system provides the sales receipt computing system the payment data when payment processing is confirmed.

22 . The method of claim 20 , wherein receiving the payment data comprises the sales receipt computing system:

requesting payment data from the issuer computing system using the customer PAR; and

receiving, in response to the request, the payment data stored in an issuer datastore including reference to the customer PAR.

23 . The method of claim 22 , wherein receiving the payment data from the issuer computing system further comprises the issuer computing system:

receiving the request for payment data from the sales receipt computing system;

identifying the payment data stored in the issuer datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified payment data stored in an issuer datastore including reference to the customer PAR.

24 . The method of claim 1 , wherein payment data received by the sales receipt computing system is provided by the merchant computing system.

25 . The method of claim 24 , wherein the merchant computing system provides the sales receipt computing system the payment data when the purchase transaction is complete.

26 . The method of claim 24 , wherein receiving the payment data comprises the sales receipt computing system:

requesting payment data from the merchant computing system using the customer PAR; and

receiving, in response to the request, the payment data stored in the merchant datastore including reference to the customer PAR.

27 . The method of claim 26 , wherein receiving the payment data from the merchant computing system further comprises the merchant computing system:

receiving the request for payment data from the sales receipt computing system;

identifying the payment data stored in the merchant datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified payment data stored in a merchant datastore including reference to the customer PAR.

28 . The method of claim 1 , wherein the sales receipt data received by the sales receipt computing system is provided by the merchant computing system.

29 . The method of claim 28 , wherein the merchant computing system provides the sales receipt computing system the sales receipt data when the purchase transaction is complete.

30 . The method of claim 28 , wherein receiving the sales receipt data from the merchant computing system comprises the sales receipt computing system:

extracting transaction parameters from the payment data received;

requesting the sales receipt data from the merchant computing system using the extracted transaction parameters; and

receiving, in response to the request, the sales receipt data stored in the merchant datastore.

31 . The method of claim 30 , wherein the transaction parameters comprise one or more of:

merchant/POS of transaction, transaction ID, merchant/POS ID, merchant code, authorization code, last 4 PAN digits, First 6 PAN digits, PAR, PAN Token/derivative, Terminal ID, currency code, amount of transaction, date of transaction, and time of transaction.

32 . The method of claim 30 , wherein receiving the sales receipt data from the merchant computing system further comprises the merchant computing system:

receiving the request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in the merchant datastore including the transaction data; and

providing the sales receipt computing system with the identified sales receipt data stored in the merchant datastore.

33 . The method of claim 28 , wherein the sales receipt data stored in the merchant datastore includes the customer PAR.

34 . The method of claim 33 , wherein receiving the sales receipt data from the merchant computing system comprises the sales receipt computing system:

requesting the sales receipt data from the merchant computing system using the customer PAR; and

receiving, in response to the request, the sales receipt data stored in the merchant datastore including reference to the customer PAR.

35 . The method of claim 34 , wherein receiving the sales receipt data from the merchant computing system further comprises the merchant computing system:

receiving the request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in the merchant datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified sales receipt data stored in the merchant datastore including reference to the customer PAR.

36 . The method of claim 1 , wherein the sales receipt data received by the sales receipt computing system is provided by the payment processor computing system.

37 . The method of claim 36 , wherein the payment processor computing system provides the sales receipt computing system the sales receipt data when the purchase transaction is complete.

38 . The method of claim 36 , wherein receiving the sales receipt data from the payment processor computing system comprises the sales receipt computing system:

extracting transaction parameters from the payment data received;

requesting the sales receipt data from the payment processor computing system using the extracted transaction parameters; and

receiving, in response to the request, the sales receipt data stored in the payment processor datastore.

39 . The method of claim 38 , wherein the transaction parameters comprise one or more of:

merchant/POS of transaction, transaction ID, merchant/POS ID, merchant code, authorization code, last 4 PAN digits, First 6 PAN digits, PAR, PAN Token/derivative, Terminal ID, currency code, amount of transaction, date of transaction, and time of transaction.

40 . The method of claim 38 , wherein receiving the sales receipt data from the payment processor computing system further comprises the payment processor computing system:

receiving the request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in the payment processor datastore including the transaction data; and

providing the sales receipt computing system with the identified sales receipt data stored in the payment processor datastore.

41 . The method of claim 36 , wherein the sales receipt data stored in the payment processor datastore includes the customer PAR.

42 . The method of claim 41 , wherein receiving the sales receipt data from the payment processor computing system comprises the sales receipt computing system:

requesting the sales receipt data from the payment processor computing system using the customer PAR; and

receiving, in response to the request, the sales receipt data stored in the payment processor datastore including reference to the customer PAR.

43 . The method of claim 42 , wherein receiving the sales receipt data from the payment processor computing system further comprises the payment processor computing system:

receiving the request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in the payment processor datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified sales receipt data stored in the payment processor datastore including reference to the customer PAR.

44 . The method of claim 1 , wherein the sales receipt data received by the sales receipt computing system is provided by an acquirer computing system involved in the processing of payment.

45 . The method of claim 44 , wherein the acquirer computing system provides the sales receipt computing system the sales receipt data when the purchase transaction is complete.

46 . The method of claim 44 , wherein receiving the sales receipt data from the acquirer computing system comprises the sales receipt computing system:

extracting transaction parameters from the payment data received;

requesting the sales receipt data from the acquirer computing system using the extracted transaction parameters; and

receiving, in response to the request, the sales receipt data stored in an acquirer datastore.

47 . The method of claim 46 , wherein the transaction parameters comprise one or more of:

merchant of transaction, transaction ID, merchant ID, merchant code, authorization code, last 4 PAN digits, First 6 PAN digits, PAR, PAN Token/derivative, Terminal ID, currency code, amount of transaction, date of transaction, and time of transaction.

48 . The method of claim 46 , wherein receiving the sales receipt data from the acquirer computing system further comprises the acquirer computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in an acquirer datastore including the transaction data; and

providing the sales receipt computing system with the identified sales receipt data stored in an acquirer datastore.

49 . The method of claim 44 , wherein the sales receipt data stored at the acquirer computing system includes the customer PAR.

50 . The method of claim 49 , wherein receiving the sales receipt data from the acquirer computing system comprises the sales receipt computing system:

requesting the sales receipt data from the acquirer computing system using the customer PAR; and

receiving, in response to the request, the sales receipt data stored in an acquirer datastore including reference to the customer PAR.

51 . The method of claim 50 , wherein receiving the sales receipt data from the acquirer computing system further comprises the acquirer computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in an acquirer datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified sales receipt data stored in an acquirer datastore including reference to the customer PAR.

52 . The method of claim 1 , wherein the sales receipt data received by the sales receipt computing system is provided by a card scheme computing system involved in the processing of payment.

53 . The method of claim 52 , wherein the card scheme computing system provides the sales receipt computing system the sales receipt data when the purchase transaction is complete.

54 . The method of claim 52 , wherein receiving the sales receipt data from the card scheme computing system comprises the sales receipt computing system:

extracting transaction parameters from the payment data received;

requesting the sales receipt data from the card scheme computing system using the extracted transaction parameters; and

receiving, in response to the request, the sales receipt data stored in a card scheme datastore.

55 . The method of claim 54 , wherein the transaction parameters comprise one or more of:

merchant/POS of transaction, transaction ID, merchant/POS ID, merchant code, authorization code, last 4 PAN digits, First 6 PAN digits, PAR, PAN Token/derivative, Terminal ID, currency code, amount of transaction, date of transaction, and time of transaction.

56 . The method of claim 54 , wherein receiving the sales receipt data from the card scheme computing system further comprises the card scheme computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in a card scheme datastore including the transaction data; and

providing the sales receipt computing system with the identified sales receipt data stored in the card scheme datastore.

57 . The method of claim 52 , wherein the sales receipt data stored at the card scheme computing system includes the customer PAR.

58 . The method of claim 57 , wherein receiving the sales receipt data from the card scheme computing system comprises the sales receipt computing system:

requesting the sales receipt data from the card scheme computing system using the customer PAR; and

receiving, in response to the request, the sales receipt data stored in a card scheme datastore including reference to the customer PAR.

59 . The method of claim 58 , wherein receiving the sales receipt data from the card scheme computing system further comprises the card scheme computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in a card scheme datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified sales receipt data stored in the card scheme datastore including reference to the customer PAR.

60 . The method of claim 1 , wherein the sales receipt data received by the sales receipt computing system is provided by an issuer computing system involved in the processing of payment.

61 . The method of claim 60 , wherein the issuer computing system provides the sales receipt computing system the sales receipt data when the purchase transaction is complete.

62 . The method of claim 60 , wherein receiving the sales receipt data from the issuer computing system comprises the sales receipt computing system:

extracting transaction parameters from the payment data received;

requesting the sales receipt data from the issuer computing system using the extracted transaction parameters; and

receiving, in response to the request, the sales receipt data stored in an issuer datastore.

63 . The method of claim 62 , wherein the transaction parameters comprise one or more of:

merchant/POS of transaction, transaction ID, merchant/POS ID, merchant code, authorization code, last 4 PAN digits, First 6 PAN digits, PAR, PAN Token/derivative, Terminal ID, currency code, amount of transaction, date of transaction, and time of transaction.

64 . The method of claim 62 , wherein receiving the sales receipt data from the issuer computing system further comprises the issuer computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in an issuer datastore including the transaction data; and

providing the sales receipt computing system with the identified sales receipt data stored in the issuer datastore.

65 . The method of claim 60 , wherein the sales receipt data stored at the issuer computing system includes the customer PAR.

66 . The method of claim 65 , wherein receiving the sales receipt data from the issuer computing system comprises the sales receipt computing system:

requesting the sales receipt data from the issuer computing system using the customer PAR; and

receiving, in response to the request, the sales receipt data stored in an issuer datastore including reference to the customer PAR.

67 . The method of claim 66 , wherein receiving the sales receipt data from the issuer computing system further comprises the issuer computing system:

receiving a request for the sales receipt data from the sales receipt computing system;

identifying the sales receipt data stored in an issuer datastore including reference to the customer PAR; and

providing the sales receipt computing system with the identified sales receipt data stored in the issuer datastore including reference to the customer PAR.

68 . The method of claim 1 , further comprising storing one or more of the payment data, receipt data, and the electronic sales receipt wherein the user is identified by the PAR in a datastore of the sales receipt computing system.

69 . The method of claim 1 , wherein the merchant computing system comprises a Point of Sale (POS) system.

70 . The method of claim 1 , wherein the merchant computing system comprises a payment gateway.

71 . The method of claim 1 , wherein the merchant computing system comprises a payment terminal or payment device reader.

72 . The method of claim 1 , further comprising:

the sales receipt computing system issuing an electronic sales receipt to the user.

73 . The method of claim 1 , further comprising:

providing the payment data and sales receipt data matched with the user to one or more of: merchant, payment processor, acquirer, card scheme, and issuer so that an electronic sales receipt can be issued to the user.

74 . The method of claim 1 , wherein the sales receipt computing system receives the PAR from one or more of: user, merchant, payment processor, acquirer, card scheme, and issuer.