MERCHANT ALERTS INCORPORATING RECEIPT DATA
One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.
1 . A system comprising:
a server comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising computer readable program code embodied therein, the computer readable program code adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data; and
a consumer device in operative communication with the server.
2 . A method comprising:
receiving an authorization request message for a transaction conducted by a consumer with a merchant;
sending the authorization request message to an issuer;
modifying an authorization response message using a server computer to include receipt preference data; and
sending the authorization response message comprising the receipt preference data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.
3 . The method of claim 2 further comprising:
receiving receipt data from the merchant; and
sending at least a portion of the receipt data to the consumer.
4 . The method of claim 3 wherein the receipt data includes stock keeping units (SKUs).
5 . The method of claim 3 wherein receipt data is received out of band.
6 . The method of claim 2 wherein the server computer resides at a payment processing network.
7 . The method of claim 2 further comprising determining whether the consumer is enrolled in a receipt program.
8 . The method of claim 2 further comprising sending an alert message to a consumer device.
9 . The method of claim 2 wherein receipt preference data includes delivery channel, receipt format, file type, and conditions for receipts.
10 . The method of claim 9 wherein the receipt preference data is specified by the consumer.
11 . The method of claim 2 further comprising receiving enrollment information for a consumer to enroll in an electronic receipt program.
12 . The method of claim 2 further comprising receiving receipt output preferences from the merchant or a third party associated with the merchant.
13 . A method comprising:
receiving receipt data from a plurality of merchants at a central server computer;
determining by the central server computer, how to process the receipt data according to receipt preference data provided by users; and
providing receipts to the users according to the receipt preference data.
14 . The method of claim 13 wherein the receipt data is received via authorization request messages from the plurality of merchants.
15 . The method of claim 13 wherein the receipt data includes SKU data.
16 . The method of claim 13 wherein the receipt data is received in a batch mode.
17 . A computer readable medium comprising:
computer readable program code embodied therein, the computer readable program code adapted to be executed by a processor to implement the method of claim 13 .
18 . A server computer comprising the processor; and the computer readable medium of claim 17 coupled to the processor.
19 . A method comprising:
providing receipt preference data;
conducting a transaction, wherein an authorization request message is subsequently received for the transaction conducted, the authorization request message is sent to an issuer, an authorization response message is modified to include receipt preference data, and the authorization response message comprising the receipt preference data is sent to a merchant, wherein the merchant generates a receipt according to the receipt preference data; and
receiving a receipt in a manner consistent with the receipt preference data provided.
20 . A method comprising:
providing receipt preference data;
conducting a transaction, wherein receipt data for the transaction is subsequently received at a central server and the central server determines how to process the receipt data according to the receipt preference data; and
receiving a receipt according to the receipt preference data.
21 . A method comprising:
receiving a participation request message wherein the participation request message comprises information associated with a consumer;
determining, using a server computer, whether the consumer is participating in a receipt program; and
if the consumer is participating in a receipt program, sending a participation response message that includes the consumer receipt preference data.
22 . The method of claim 21 wherein the participation request message further comprises information associated with a merchant and wherein the method further comprises:
determining whether the merchant has any receipt preferences; and
if the merchant has receipt preferences, including the merchant receipt preferences in the participation response message.