Receipt generation service

Patent metadata

Field	Value
Publication number	US-10402810-B2
Application number	US-201916247331-A
Country	US
Kind code	B2
Filing date	Jan 14, 2019
Priority date	Sep 23, 2014
Publication date	Sep 3, 2019
Grant date	Sep 3, 2019

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

First claim

The invention claimed is:

1. A method comprising:
receiving, by a point of entry device, transaction information descriptive of a money transfer transaction between a sending party and a receiving party, wherein the transaction information identifies at least the sending party, the receiving party, and a send amount;
transmitting, by the point of entry device, the transaction information to a server configured to select a receipt template for generating a receipt for the money transfer transaction from among a plurality of receipt templates stored at a database accessible to the server, wherein each receipt template of the plurality of receipt templates includes one or more data fields for inserting receipt content, the receipt content comprising regulatory requirement information and at least one of transaction detail information, service level information, operator content, and promotion information;
receiving, by the point of entry device, a sending party receipt for the money transfer transaction from the server in response to transmitting the transaction information, wherein the sending party receipt is configured in accordance with a receipt template selected based on status information associated with each of the plurality of receipt templates, and wherein the selected receipt template is associated with status information that indicates regulatory requirement information inserted into the receipt has been approved as compliant with one or more regulatory requirements applicable to a location associated with the sending party; and
printing, by the point of entry device, the sending party receipt for the money transfer transaction.

2. The method of claim 1 , wherein the sending party receipt includes the service level information, wherein the service level information is determined based, at least in part, on the transaction information, and wherein the service level information includes an estimated date when funds transferred in connection with the money transfer transaction will be accessible to the receiving party and contact information for a money transfer entity that operates a money transfer location associated with a location where the receiving party is to receive the funds.

3. The method of claim 1 , further comprising inserting, by the point of entry device, white label content into a blank data field of the receipt received from the server, wherein the white label content comprises content generated by an entity that controls the point of entry device.

4. The method of claim 3 , wherein the white label content comprises a logo of the entity that controls the point of entry device.

5. The method of claim 3 , wherein the white label content comprises address information associated with the entity that controls the point of entry device.

6. The method of claim 1 , wherein the receipt is received in a portable document format (PDF) format.

7. The method of claim 1 , wherein the method further comprises storing the sending party receipt at a database accessible to the point of entry device.

8. The method of claim 1 , further comprising receiving a funding amount for the money transfer transaction, wherein the funding amount includes a first monetary amount corresponding to an amount to be transferred to the sending party and a second monetary amount corresponding to a fee charged for facilitating the money transfer transaction.

9. The method of claim 1 , wherein the method includes:
determining, by the point of entry device, promotion information that provides at least one of a reduced fee, expedited handling, and an upgraded money transfer transaction type during a subsequent money transfer transaction; and
inserting, by the point of entry device, the promotion information into a data field of the one or more data fields of the received sending party receipt.

10. The method of claim 9 , wherein the promotion information comprises information for configuring at least a portion of the subsequent money transfer transaction.

11. The method of claim 9 , further comprising generating a quick response (QR) code, wherein the promotion information is embedded within the QR code, and wherein the inserting of the promotion information into the sending party receipt includes inserting the QR code into the sending party receipt.

12. A system comprising:
a point of entry device comprising:
at least one processor configured to:
receive transaction information descriptive of a money transfer transaction between a sending party and a receiving party, wherein the transaction information identifies at least the sending party, the receiving party, and a send amount;
transmit the transaction information to a server configured to select a receipt template for generating a receipt for the money transfer transaction from among a plurality of receipt templates stored at a database accessible to the server, wherein each receipt template of the plurality of receipt templates includes one or more data fields for inserting receipt content, the receipt content comprising regulatory requirement information and at least one of transaction detail information, service level information, operator content, and promotion information; and
receive a sending party receipt for the money transfer transaction from the server in response to transmitting the transaction information, wherein the sending party receipt is configured in accordance with a receipt template selected based on status information associated with each of the plurality of receipt templates, and wherein the selected receipt template is associated with status information that indicates regulatory requirement information inserted into the receipt has been approved as compliant with one or more regulatory requirements applicable to a location associated with the sending party;

a memory communicatively coupled to the at least one processor; and
a printer communicatively coupled to the at least one processor and configured to print the sending party receipt for the money transfer transaction.

13. The system of claim 12 , wherein the sending party receipt includes the service level information, and wherein the at least one processor is configured to determine the service level information included in the receipt based, at least in part, on the transaction information, wherein the service level information includes an estimated date when funds transferred in connection with the money transfer transaction will be accessible to the receiving party and contact information for a money transfer entity that operates a money transfer location associated with a location where the receiving party is to receive the funds.

14. The system of claim 12 , wherein the at least one processor is configured to insert white label content into a blank data field of the sending party receipt received from the server.

15. The system of claim 14 , wherein the white label content comprises at least one of a logo of an entity that controls the point of entry device and address information associated with the entity that controls the point of entry device.

16. The system of claim 15 , wherein the entity that controls the point of entry device is a third party with respect to a second entity that controls the server.

17. The system of claim 12 , wherein the at least one processor is configured to:
determine promotion information that provides at least one of a reduced fee, expedited handling, and an upgraded money transfer transaction type during a subsequent money transfer transaction; and
insert the promotion information into a data field of the one or more data f

Assignees

• Moneygram Int Inc

Inventors

• Kelly Iii John Patrick
• Jacobson Connie Darlene
• Pattanashettaru Dinesh
• Engman Lavonne Lynne

Classifications

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/209 Primary

  Specified transaction journal output feature, e.g. printed receipt or voice output · CPC title

• G07G5/00

  Receipt-giving machines · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/0453

  Physics · mapped topic