INTERACTIVE DIGITAL RECEIPT

1 . A method of providing an interactive digital receipt, comprising:

receiving, by an interactive digital receipt system, an indication of a payment transaction between a customer and a merchant, the payment transaction being instantiated on a first mobile device associated with the merchant;

generating, by the interactive digital receipt system, as part of the payment transaction, an interactive digital receipt for sending to a second mobile device associated with the customer, the interactive digital receipt including an indication of a payment amount associated with the payment transaction;

transmitting, by the interactive digital receipt system, the interactive digital receipt to the customer, the receipt having an interactive tipping component that allows the customer to submit a gratuity amount corresponding to the payment amount, the interactive tipping component being associated with a transaction timeframe that defines a time period for the customer to submit the gratuity amount using the interactive tipping component;

receiving, by the interactive digital receipt system, the gratuity amount submitted by the customer within the transaction timeframe; and

processing the payment transaction in response to the time period of the transaction timeframe having decreased to a null value, wherein processing the payment transaction includes associating the gratuity amount with the payment amount.

2 . The method of claim 1 , wherein the gratuity amount is a nominal amount configured by the customer, wherein the nominal amount is automatically authorized as the gratuity amount when no gratuity amount is received within the transaction timeframe.

3 . The method of claim 1 , wherein the transaction timeframe is configured by the merchant.

4 . The method of claim 1 , further comprising:

providing, via the interactive digital receipt, a plurality of interactive components based on the transaction timeframe such that content of the interactive components changes corresponding to the transaction timeframe, the plurality of interactive components configured by the merchant to interact with the customer.

5 . The method of claim 5 , wherein the plurality of interactive components comprises at least one of:

an interactive feedback component for the customer to submit feedback associated with the payment transaction, wherein the interactive feedback component is configured to generate a time-based incentive for submission of the feedback within the transaction timeframe;

an interactive promotion component for the customer to redeem a time-based promotional reward, wherein the time-based promotional reward is configured to decrease in value based on a time of redemption by the customer with respect to the transaction timeframe; or

an interactive loyalty rewards component for the customer to maintain a record of purchases with the merchant over a span of time and to redeem a loyalty reward based on the purchases.

6 . The method of claim 1 , further comprising:

providing, via the interactive digital receipt, a loyalty rewards record associated with the merchant, the loyalty rewards record including a plurality of purchases associated with a particular payment transaction between the customer and the merchant;

updating the plurality of purchases in the loyalty rewards record in response to the interactive digital receipt being generated, the updating including extracting purchase information from the interactive digital receipt and recording a purchase; and

providing, via the interactive digital receipt, a loyalty reward to the customer if the plurality of purchases recorded in the loyalty rewards record exceeds a predetermined threshold value.

7 . The method of claim 1 , further comprising:

providing, via the interactive digital receipt, an interactive transaction record for the customer; and

updating the interactive transaction record with information associated with the payment transaction in response to the interactive digital receipt being generated, the interactive transaction record including a plurality of transaction records, wherein each transaction record is associated with a particular merchant participating in a particular payment transaction with the customer.

8 . The method of claim 7 , further comprising:

providing, via the interactive digital receipt, an interactive advertisement component for the customer based on the plurality of transaction records contained in the interactive transaction record.

9 . A method of providing a digital receipt, comprising:

receiving an indication of a financial transaction between a payer and a payee;

generating a digital receipt indicative of the financial transaction; and

transmitting the digital receipt to a computing device associated with the payer, the digital receipt having an interactive tipping component for enabling the payer to submit a gratuity amount associated with the financial transaction subsequent to the digital receipt being transmitted to the computing device.

10 . The method of claim 9 , wherein the digital receipt is embodied within at least one of: an electronic mail (e-mail); a text message; or a mobile application.

11 . The method of claim 9 , wherein the interactive tipping component is associated with a transaction timeframe that limits a time period for the payer to submit the gratuity amount using the interactive tipping component.

12 . The method of claim 11 , wherein the interactive tipping component enables the payer to submit the gratuity amount by responding to a text message within the transaction timeframe.

13 . The method of claim 11 , wherein the interactive tipping component enables the payer to submit the gratuity amount by accessing a Uniform Resource Locator (URL) link.

14 . The method of claim 11 , wherein the interactive tipping component enables the payer to submit the gratuity amount by interacting with a user interface component embodied within the digital receipt instantiated on the computing device.

15 . The method of claim 9 , wherein the digital receipt further includes an interactive feedback component for the payer to submit feedback associated with the financial transaction, the interactive feedback component being configured to generate a time-based reward for submission of the feedback, wherein the interactive feedback component is associated with a transaction timeframe that defines a value of the time-based reward based on a time of submission of the feedback.

16 . The method of claim 9 , wherein the digital receipt further includes an interactive promotion component to generate a time-based promotional reward for the payer to redeem, the interactive promotion component being associated with a transaction timeframe, wherein the time-based promotional reward adjusts in value corresponding to the transaction timeframe decreasing with a passage of time.

17 . The method of claim 9 , further comprising:

generating for the payer an interactive transaction record that is accessible via the digital receipt; and

for every digital receipt generated for a new financial transaction between the payer and the payee, updating the interactive transaction record, the interactive transaction record comprising a plurality of transaction records completed between the payer and the payee.

18 . A computer system comprising:

a communications interface to allow communications between an interactive receipt system and an interactive receipt module;

a memory;

a processor coupled to the communications interface and the memory, the processor operative to:

execute the interactive receipt module implemented in the memory, the interactive receipt module being implemented in response to an occurrence of a transaction between a user and a merchant, wherein the interactive receipt module is configured by the interactive receipt system;

generate a receipt associated with the transaction, the receipt being generated by the interactive receipt module, the receipt including an interactive tipping component that allows the user to submit a gratuity amount associated with the transaction; and

initialize a transaction timeframe in response to the receipt being generated, the transaction timeframe initialized to incrementally decrease corresponding to a passage of time, wherein the transaction timeframe defines a time period for the user to submit the gratuity amount.

19 . The system of claim 18 , wherein the transaction timeframe is configured by the merchant.

20 . The system of claim 18 , wherein the receipt further includes a loyalty rewards record, the loyalty rewards record being updated to record transaction points based on the transaction and to generate a loyalty ranking based on the transaction points.

21 . The system of claim 18 , wherein the receipt further includes an interactive feedback component for the user to submit feedback, the interactive feedback component configured to generate a time-based feedback reward in response to the feedback being submitted before the transaction timeframe decreases to a null value.

22 . The system of claim 18 , wherein the receipt further includes a time-based promotional reward that adjusts in value corresponding to the transaction timeframe decreasing to a null value.