Systems and methods for second tap e-receipt option for NFC-enabled payment vehicles
Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location. The systems and methods include a near field communication (NFC) reader and an NFC-enabled payment vehicle. A POS terminal processes a payment transaction after an initial interaction between the NFC reader and the NFC-enabled payment vehicle. An e-receipt is generated when a second interaction is detected between the NFC reader and the NFC-enabled payment vehicle.
1. A computer-implemented method of managing electronic payment transactions at a merchant location, the method comprising:
initiating, by a point-of-sale (POS) terminal associated with a merchant, a check-out procedure for a consumer to complete a payment transaction;
prompting, by the POS terminal, the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
receiving, by the POS terminal, one or more indications that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
receiving, by the POS terminal, customer data from the NFC-enabled payment vehicle;
processing, by the POS terminal, the payment transaction with the received customer data;
generating, by the POS terminal, an e-receipt comprising one or more customizable features; and
transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
2. The method of claim 1 , wherein transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle comprises transmitting, by the POS terminal, the e-receipt to be stored in a mobile wallet of the NFC-enabled payment vehicle; and
wherein the displayed e-receipt comprises selection areas for the consumer to enable the one or more customizable features.
3. The method of claim 1 , wherein the one or more customizable features include at least one of: a ranking feature, a consumer incentive feature, an interactive coupon, or a loyalty reward.
4. The method of claim 1 , further comprising:
receiving an indication that a selection area has been activated for the one or more customizable features; and
displaying the one or more customizable features associated with the selected selection area.
5. The method of claim 4 , wherein the selection area allows a user to enable or disable the one or more customizable features.
6. The method of claim 1 , further comprising:
upon the POS terminal receiving an indication that the payment transaction is approved, prompting, by the POS terminal, a payment transaction result to the consumer by signaling via a display area of the POS terminal and/or via a display area of the NFC-enabled payment vehicle,
wherein prompting, by the POS terminal, the payment transaction result to the consumer further comprises prompting, by the POS terminal, an interaction between the NFC-enabled payment vehicle and an NFC reader to generate the e-receipt for finalizing the payment transaction.
7. The method of claim 1 , wherein the interaction with the POS terminal comprise a tap of the NFC-enabled payment vehicle against the POS terminal.
8. A system for managing electronic payment transactions at a merchant location, the system comprising:
a data storage device storing instructions; and
a processor configured to execute the instructions to perform operations comprising:
initiating, by a point-of-sale (POS) terminal associated with a merchant, a check-out procedure for a consumer to complete a payment transaction;
prompting, by the POS terminal, the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
receiving, by the POS terminal, one or more indications that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
receiving, by the POS terminal, customer data from the NFC-enabled payment vehicle;
processing, by the POS terminal, the payment transaction with the received customer data;
generating, by the POS terminal, an e-receipt comprising one or more customizable features; and
transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
9. The system of claim 8 , wherein transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle comprises transmitting, by the POS terminal, the e-receipt to be stored in a mobile wallet of the NFC-enabled payment vehicle; and
wherein the displayed e-receipt comprises selection areas for the consumer to enable the one or more customizable features.
10. The system of claim 8 , wherein the one or more customizable features include at least one of: a ranking feature, a consumer incentive feature, an interactive coupon, or a loyalty reward.
11. The system of claim 8 , the operations further comprising:
receiving an indication that a selection area has been activated for the one or more customizable features; and
displaying the one or more customizable features associated with the selected selection area.
12. The system of claim 11 , wherein the selection area allows a user to enable or disable the one or more customizable features.
13. The system of claim 8 , the operations further comprising:
upon the POS terminal receiving an indication that the payment transaction is approved, prompting, by the POS terminal, a payment transaction result to the consumer by signaling via a display area of the POS terminal and/or via a display area of the NFC-enabled payment vehicle,
wherein prompting, by the POS terminal, the payment transaction result to the consumer further comprises prompting, by the POS terminal, an interaction between the NFC-enabled payment vehicle and an NFC reader to generate the e-receipt for finalizing the payment transaction.
14. The system of claim 8 , wherein the interaction with the POS terminal comprises a tap of the NFC-enabled payment vehicle against the POS terminal.
15. A non-transitory computer readable medium storing computer-executable programming instructions which, when executed by at least one processor, cause the at least one processor to perform operations for managing electronic payment transactions at a merchant location, the operations comprising:
Initiating, by a point-of-sale (POS) terminal associated with a merchant, a check-out procedure for a consumer to complete a payment transaction;
prompting, by the POS terminal, the consumer to present a payment vehicle and interact with the POS terminal for completing the payment transaction;
receiving, by the POS terminal, one or more indications that a near field communication (NFC)-enabled payment vehicle interacted with the POS terminal;
receiving, by the POS terminal, customer data from the NFC-enabled payment vehicle;
processing, by the POS terminal, the payment transaction with the received customer data;
generating, by the POS terminal, an e-receipt comprising one or more customizable features; and
transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle for display on the NFC-enabled payment vehicle.
16. The non-transitory computer readable medium of claim 15 , wherein transmitting, by the POS terminal, the e-receipt to the NFC-enabled payment vehicle comprises transmitting, by the POS terminal, the e-receipt to be stored in a mobile wallet of the NFC-enabled payment vehicle; and
wherein the displayed e-receipt comprises selection areas for the consumer to enable the one or more customizable features.
17. The non-transitory computer readable medium of claim 15 , wherein the one or more customizable features include at least one of: a ranking feature, a consumer incentive feature, an interactive coupon, or a loyalty reward.
18. The non-transitory computer readable medium of claim 15 , the operations further comprising:
receiving an indication that a selection area has been activated for the one or more customizable features; and
displaying the one or more customizable features associated with the selected selection area.
19. The non-transitory computer readable medium of claim 18 , wherein the selection area allows a user to enable or disable the one or more customizable features.
20. The non-transitory computer readable medium of claim 15 , the operations further comprising:
upon the POS terminal receiving an indication that the payment transaction is approved, prompting, by the POS terminal, a payment transaction result to the consumer by signaling via a display area of the POS terminal and/or via a display area of the NFC-enabled payment vehicle,
wherein prompting, by the POS terminal, the payment transaction result to the consumer further comprises prompting, by the POS terminal, an interaction between the NFC-enabled payment vehicle and an NFC reader to generate the e-receipt for finalizing the payment transaction.