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 method comprising:
generating, by an access device, an authorization request message for a transaction conducted by a consumer with a merchant, after the access device interacts with a portable consumer device;
sending, by the access device, the authorization request message to a server computer, wherein the server computer forwards the authorization request message to an issuer, receives an authorization response message from the issuer, and modifies the authorization response message to include receipt preference data in the form of a code or binary data to create the modified authorization response message, the receipt preference data stored in the server computer, indicating the consumer's preferences for receiving receipts from multiple merchants, and provided to the server computer by the consumer before the transaction;
receiving, by the access device and from the server computer, a modified authorization response message including an indication that the transaction is approved, and the receipt preference data;
creating, by the access device, a receipt according to the user's preferences using the receipt preference data comprising the code or the binary data; and
providing, by the access device, the receipt according to the user's preferences to the consumer,
wherein the receipt preference data comprises the code, which includes a plurality of subcodes, the plurality of subcodes indicating different receipt preferences of the consumer.
2. The method of claim 1 wherein the receipt preference data includes printing preferences specified by the consumer.
3. The method of claim 1 wherein the server computer is in a payment processing network.
4. The method of claim 1 , wherein the portable consumer device is a mobile phone.
5. The method of claim 1 wherein the portable consumer device is a credit card.
6. The method of claim 1 wherein the receipt preference data specifies whether or not the consumer desires a paper receipt.
7. The method of claim 1 wherein the receipt preference data is associated with a delivery channel, a receipt format, a file type, and/or conditions for receipts.
8. The method of claim 1 wherein the access device is a POS terminal.
9. The method of claim 1 wherein the receipt preference data stored at the server computer specifies that the receipt is also transmitted to a mobile phone used by the consumer.
10. An access device comprising:
a processor; and
a computer readable medium comprising code executable by the processor, for implementing a method comprising:
generating, by the access device, an authorization request message for a transaction conducted by a consumer with a merchant, after the access device interacts with a portable consumer device;
sending, by the access device, the authorization request message to a server computer in a payment processing network, wherein the server computer forwards the authorization request message to an issuer, receives an authorization response message from the issuer, and modifies the authorization response message to include receipt preference data in the form of a code or binary data to create the modified authorization response message, the receipt preference data stored in the server computer, indicating the consumer's preferences for receiving receipts from multiple merchants, and provided to the server computer by the consumer before the transaction;
receiving, by the access device and from the server computer in the payment processing network, a modified authorization response message including an indication that the transaction is approved, and the receipt preference data;
creating, by the access device, a receipt according to the user's preferences using the receipt preference data comprising the code or the binary data; and
providing, by the access device, the receipt according to the user's preferences to the consumer,
wherein the receipt preference data includes the binary data, the binary data includes individual bits that identify specific receipt preferences.
11. The access device of claim 10 wherein the receipt preference data includes printing preferences specified by the consumer.
12. The access device of claim 10 , wherein the portable consumer device is a mobile phone.
13. The access device of claim 10 wherein the portable consumer device is a credit card.
14. The access device of claim 10 wherein the receipt preference data specifies whether or not the consumer desires a paper receipt.
15. The access device of claim 10 wherein the authorization request message is sent from the access device to the server computer in the payment processing network via an acquirer computer.
16. The access device of claim 10 wherein the receipt preference data includes a delivery channel, a receipt format, a file type, and/or conditions for receipts.
17. The access device of claim 10 wherein the access device is a POS terminal.
18. The access device of claim 10 wherein the receipt preference data stored in the server computer specifies that the receipt is also transmitted to a mobile phone used by the consumer.