TRANSACTION INFORMATION COLLECTION FOR MOBILE PAYMENT EXPERIENCE

1 . A method comprising:

sending, from a first computer system operated by an interactive payment experience provider, to a second computer system operated by a payment card network or a payment card issuer, an instruction for associating a financial account of a consumer with an interactive payment service, wherein the first computer system has access to information of the financial account of the consumer;

requesting, by the first computer system, that in response to recognition that a payment transaction involves the financial account that has been associated with the interactive payment service, the second computer system send item-level transaction information of the payment transaction to the first computer system, wherein the item-level transaction information includes item-level information about goods or services involved in the payment transaction, an amount of the payment transaction, an identification of the financial account and an identity of a merchant involved in the payment transaction;

receiving, at the first computer system from the second computer system, the item-level transaction information of the payment transaction, in response to the second computer system receiving a request for authorization of the payment transaction, wherein the interactive payment experience provider is not a participant in processing the payment transaction and is not in a payment transaction message flow between the merchant and a card issuer involved in the transaction;

generating, at the first computer system, a digital transaction receipt based on the item-level transaction information, the digital transaction receipt being indicative of the payment transaction; and

transmitting, from the first computer system to a mobile device of the consumer, an instruction to a mobile application of the mobile device for presenting the digital transaction receipt as an interactive user interface element, wherein the first computer system has information used to communicate with the mobile device of the consumer.

2 . The method of claim 1 , wherein said transmitting comprises transmitting an instruction to the mobile application for presenting the digital transaction receipt so as to list item-level information associated with the payment transaction, the item-level information relating to goods or services involved in the payment transaction.

3 . The method of claim 1 , wherein said transmitting comprises transmitting an instruction to the mobile application for presenting the digital transaction receipt so as to include an interface element for the consumer to specify a gratuity amount of the payment transaction; and

the method further comprising:

sending, from the first computer system to the second computer system, a request to adjust the amount of the payment transaction based on the gratuity amount.

4 . The method of claim 1 , wherein said transmitting comprises transmitting an instruction to the mobile application for presenting the digital transaction receipt so as to include an interface element for the consumer to specify a promotional code; and

the method further comprising:

sending, from the first computer system to the second computer system, a request to confirm a validity of the promotional code and to adjust the amount of the payment transaction based on a promotion associated with the promotional code if the promotional code is valid.

5 . The method of claim 1 , wherein said transmitting comprises transmitting an instruction to the mobile application for presenting the digital transaction receipt including an interface element for the consumer to specify a comment that relates to the payment transaction.

6 . A method comprising:

sending, from a first computer system, an instruction to apply a predetermined classification to a financial account of a consumer, to a second computer system of a payment card network or a payment card issuer;

receiving, at the first computer system from the payment card network or the payment card issuer, transaction information of a payment transaction that involves the financial account of the consumer, the transaction information having been sent to the first computer system in response to initiation of the payment transaction and recognition that the financial account of the consumer has the predetermined classification; and

transmitting, from the first computer system to a mobile device of the consumer, an instruction for the mobile device to present an interactive user interface based on the transaction information of the payment transaction.

7 . The method of claim 6 , further comprising:

sending, from the first computer system to the second computer system, an instruction for the second computer system to send to the first computer system transaction information of any payment transaction that relates to any financial account represented in a database of financial accounts that have the predetermined classification.

8 . The method of claim 6 , wherein the receiving comprises:

receiving, at the first computer system from the payment card network or the payment card issuer through an application programming interface (API), transaction information of a payment transaction that involves the financial account of the consumer.

9 . The method of claim 6 , wherein the transaction information of the payment transaction includes an amount of the payment transaction, an identification of the financial account and an identity of a merchant of the payment transaction.

10 . The method of claim 9 , wherein the transaction information further includes item-level information associated with the payment transaction, the item-level information including identifications of goods or services involved in the payment transaction.

11 . The method of claim 10 , further comprising:

generating, at the first computer system, the interactive user interface including providing a digital receipt based on the transaction information, the digital receipt indicating the goods or services involved in the payment transaction.

12 . The method of claim 6 , further comprising:

generating, at the first computer system, the interactive user interface to include a digital receipt based on the transaction information, the digital receipt including a link to a website or a mobile application for managing the financial account.

13 . The method of claim 6 , further comprising:

generating, at the first computer system, the interactive user interface to include a digital receipt, the digital receipt including an option to enable the consumer to specify a gratuity amount for the payment transaction.

14 . The method of claim 13 , further comprising:

receiving, at the first computer system from the mobile device, a message indicative of the gratuity amount specified by the consumer;

sending, from the first computer system to the second computer system, a request to adjust a total payment amount of the payment transaction based on the gratuity amount specified by the consumer.

15 . The method of claim 6 , further comprising:

generating, at the first computer system, the interactive user interface to include a digital receipt based on the transaction information, the digital receipt including an interface element to enable the consumer to specify feedback about a reaction to a purchased item or a merchant that is associated with the payment transaction.

16 . The method of claim 6 , further comprising:

receiving, at the first computer system from the mobile device, location information of a geographical location of the mobile device in relation to the payment transaction; and

forwarding the location information of the mobile device from the first computer system to the second computer system.

17 . A computer system comprising:

a networking component to communicate with external computer systems;

a processor; and

a memory storing instructions with, when executed by the processor, cause the computer system to perform a process that includes:

receiving, from a mobile device of a consumer, a message indicative of the consumer enrolling a financial account of the consumer for an interactive payment service;

sending, to a first computer device of a payment processing entity, an instruction to include information identifying the financial account in a database, the database including information identifying financial accounts that are enrolled for the interactive payment service;

receiving, from the first computer device, transaction information of a payment transaction that relates to the financial account of the consumer;

in response to the received transaction information, sending, to the mobile device of the consumer, an interactive digital receipt for the payment transaction.

18 . The computer system of claim 17 , wherein the process further includes:

receiving, from the first computer device, a message confirming that the payment transaction is completed.

19 . The computer system of claim 17 , wherein the digital receipt includes an interactive element for the merchant to specify a gratuity amount for the payment transaction on the mobile device; and wherein the process further includes: sending, to the first computer device, a request to adjust an amount of the payment transaction based on the gratuity amount.

20 . The computer system of claim 17 , wherein the digital receipt lists goods or services involved in the payment transaction and includes links to websites or mobile applications that provide further information about the goods or services.

21 . A computer system comprising:

a networking component to communicate with external computer systems;

a processor; and

a memory storing instructions which, when executed by the processor, cause the computer system to perform a process including:

maintaining a database including information of financial accounts that have a predetermined classification;

receiving a request for authorizing a payment transaction that involves a financial account of a consumer;

recognizing that the financial account of the consumer has the predetermined classification based on the database; and

in response to recognition that the financial account of the consumer has the predetermined classification, sending transaction information of the payment transaction to a payment service system.

22 . The computer system of claim 21 , wherein the process further includes:

authorizing the payment transaction in response to the request.

23 . The computer system of claim 21 , wherein the process further includes:

receiving, from the payment service system, an instruction to apply the predetermined classification to a financial account of the consumer; and

adding information of the financial account of the consumer to the database.

24 . The computer system of claim 21 , wherein the transaction information includes item-level information relating to goods or services involved in the payment transaction, and wherein said sending comprises:

sending, to a mobile device of the consumer via the external computer system, the item-level information to enable the mobile device to present a digital receipting listing the goods or services involved in the payment transaction to the consumer.