Receipt generation service

Patent metadata

Field	Value
Publication number	US-10733590-B2
Application number	US-201916532423-A
Country	US
Kind code	B2
Filing date	Aug 5, 2019
Priority date	Sep 23, 2014
Publication date	Aug 4, 2020
Grant date	Aug 4, 2020

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 server via a network, transaction information from a first point of entry device, wherein the transaction information is descriptive of a money transfer transaction between a sending party and a receiving party, and wherein the transaction information includes information that identifies at least the sending party, the receiving party, and a send amount;
selecting, by the server, a receipt template from among a plurality of receipt templates stored at a database based on status information corresponding to each of the plurality of receipt templates, wherein the selected receipt template is associated with status information that indicates regulatory requirements information for the selected receipt template has been approved as compliant with the one or more regulatory requirements applicable to a location associated with the sending party, the receiving party, or both;
generating, by the server, a receipt for the money transfer transaction, wherein the receipt includes the regulatory requirements information and at least a portion of the transaction information; and
transmitting the receipt from the server to the first point of entry device via the network.

2. The method of claim 1 , wherein the receipt includes a service level information field, and wherein the method further comprises determining the service level information for 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.

3. The method of claim 1 , wherein first status information corresponding to a first receipt template of the plurality of receipt templates comprises first authorization information that indicates a time period during which the first receipt template is authorized for use in generating receipts.

4. The method of claim 3 , wherein the first status information further comprises replacement information that identifies a second receipt template of the plurality of receipt templates that is to be replaced by the first receipt template during at least the time period indicated by the authorization information.

5. The method of claim 1 , further comprising:
generating a portable document format (PDF) copy of the receipt; and
transmitting the PDF copy of the receipt from the server to the first point of entry device via the network.

6. The method of claim 1 , further comprising storing the receipt at the database.

7. The method of claim 1 , further comprising:
generating a second receipt for the money transfer transaction wherein the receipt is a sending party receipt, wherein the second receipt is a receiving party receipt and comprises second receipt information;
providing the second receipt to the receiving party; and
storing the second receipt information at a database accessible to the server.

8. The method of claim 1 , wherein the receipt is a white label receipt, and wherein the generating comprises leaving a data field associated with operator content blank, wherein the point of entry device is configured to insert content into the data field associated with the operator content.

9. The method of claim 1 , further comprising:
determining promotion information; and
inserting the promotion information into a data field of the selected receipt template.

10. The method of claim 1 , further comprising configuring at least a portion of a subsequent money transfer transaction based on information included in the receipt.

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 data field of the selected receipt template includes inserting the QR code into the data field of the selected receipt template.

12. A system comprising:
at least one processor configured to:
receive transaction information from a first point of entry device via a network, where the transaction information is descriptive of a money transfer transaction between a sending party and a receiving party, wherein the transaction information includes information that identifies at least the sending party, the receiving party, and a send amount;
select a receipt template from among a plurality of receipt templates stored at a database based on status information corresponding to each of the plurality of receipt templates, wherein the selected receipt template is associated with status information that indicates regulatory requirements information for the receipt template has been approved as compliant with the one or more regulatory requirements applicable to a location associated with the sending party, the receiving party, or both;
generate a receipt for the money transfer transaction, wherein the receipt includes the regulatory requirements information and at least a portion of the transaction information; and
transmit the receipt to the first point of entry device via the network; and

a memory communicatively coupled to the processor.

13. The system of claim 12 , wherein the at least one processor is configured to:
generate second receipt for the money transfer transaction, wherein the receipt is a sending party receipt, and wherein the second receipt is a receiving party receipt and comprises second receipt information;
providing the second receipt to the receiving party; and
storing the second receipt information and the second receipt information at the database.

14. The system of claim 12 , wherein the receipt includes 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.

15. The system of claim 12 , wherein the receipt is a white label receipt, and wherein the at least one processor is configured to leave a data field of the receipt blank, and wherein the point of entry device is configured to insert content into the data field.

16. The system of claim 15 , wherein the point of entry device is operated by a first entity that is a third party with respect to a second entity that operates the at least one processor, and wherein the local content comprises branding information associated with the first entity.

17. The system of claim 12 , wherein the at least one processor is configured to generate a portable document format (PDF) copy of the receipt, and wherein the PDF copy of the receipt is transmitted to the point of entry device via the network.

18. The system of claim 12 , wherein first status information corresponding to a first receipt template of the plurality of receipt templates comprises first authorization information that indicates a time period during which the first receipt template is authorized for use in generating receipts and replacement information that identifies a second receipt template of the pluralit

Assignees

• Moneygram Int Inc

Inventors

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

Classifications

• G06Q20/209 Primary

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

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/10

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

• G07G5/00

  Receipt-giving machines · CPC title

• G06Q20/0453

  Physics · mapped topic