Methods and system for securely capturing and providing transaction information
An option is set on a payment card of a card issuer. A request for payment for a transaction is received by a payment server of the card issuer from a merchant device/server. The payment server requests and receives a one-time token based on the option. An authorization indicating payment was successful is sent from the payment server to the merchant device/server with a flag set, the token, and a network address. Merchant device/server identifies the flag obtains the token and sends an e-receipt for the transaction along with the token to the network address. The e-receipt accessible from the network address by a consumer associated with the transaction. Furthermore, the e-receipt is obtained by the consumer without registering personal information or contact information with the merchant, which preserves the anonymity of the consumer with respect to the merchant.
1. A system, comprising:
at least one cloud or server comprising at least one server processor and a server non-transitory computer-readable storage medium;
the server non-transitory computer-readable storage medium comprising server executable instructions;
a payment server comprising a payment processor and a payment non-transitory computer-readable storage medium;
the payment non-transitory computer-readable storage medium comprising payment executable instructions;
a transaction terminal comprising a transaction processor and a transaction non-transitory computer-readable storage medium;
the transaction non-transitory computer-readable storage medium comprising transaction executable instructions;
the transaction executable instructions when executed by the transaction processor cause the transaction processor to perform first operations comprising:
receiving payment card details for a payment of a transaction being performed for a consumer at the transaction terminal;
sending a transaction price and the payment card details to the payment server for processing the payment;
receiving a payment message comprising an authentication for the payment, a flag, a token, and a network location; and
sending a transaction receipt for the transaction and the token to the network location;
the payment executable instructions when executed by the payment processor cause the payment processor to perform second operations comprising:
receiving the transaction price and the payment card details for the transaction from the transaction terminal;
authorizing and processing the payment on behalf of the consumer and a merchant associated with the transaction terminal;
obtaining a payment account for the consumer from the payment card details;
identifying an option from a profile linked to the payment account indicating the consumer requests electronic receipts (e-receipts);
sending a token request to the at least one cloud or server along with information unique to the consumer and registered with the at least one cloud or server;
obtaining from the at least one could or server the token and the network location;
generating the payment message; and
sending the payment message to the transaction terminal;
the server executable instructions executed by the at least one server processor from the non-transitory computer-readable storage medium causing the at least one server processor to perform operations comprising:
receiving the token request and the information from the payment server;
linking the information to the consumer; generating the token; associating the token with an account of the consumer;
sending the token and the network location to the payment server;
obtaining, at the network location, the transaction receipt and the token from the transaction terminal;
linking the transaction receipt to the account of the consumer based on the token;
maintaining the transaction receipt for viewing by the consumer and any resource designated by the consumer.
2. The system of claim 1 , wherein the transaction terminal is a Self-Service Terminal (SST), a Point-Of-Sale (POS) terminal, an Automated Teller Machine (ATM), a kiosk, or a transaction server that performs the transaction as an online transaction via a consumer-operated device on behalf of the consumer and the merchant.