Item-level information collection for interactive payment experience

Patent metadata

Field	Value
Publication number	US-12112302-B2
Application number	US-202217947034-A
Country	US
Kind code	B2
Filing date	Sep 16, 2022
Priority date	May 19, 2014
Publication date	Oct 8, 2024
Grant date	Oct 8, 2024

Abstract

Disclosed is a technology for sending near real time transaction notifications to user devices of users of a payment service. Data associated with one or more financial accounts of a user and one or more user devices of the user is stored in a database associated with the payment service. The payment service receives transaction information and determines it is associated with a transaction involving a financial account of the user. The payment service generates a notification associated with the transaction, including at least a payment amount. The payment service causes presentation of the notification, in near real time, via at least one user device of the user.

First claim

What is claimed is:

1. A method comprising:
storing, by one or more servers of a payment service in a database associated with the payment service, data identifying one or more financial accounts of a user and one or more user devices of the user that are communicatively coupled to the one or more servers;
receiving, by the one or more servers, transaction information corresponding to a financial transaction, wherein the transaction information includes at least a payment amount and is received from a point-of-sale system communicatively coupled to the one or more servers;
determining, by the one or more servers, that the transaction information is associated with a financial account of the one or more financial accounts of the user;
generating, by the one or more servers, an interactive notification associated with the financial transaction, wherein the interactive notification includes at least the payment amount and a plurality of transaction and item-level information associated with the financial transaction; and
causing presentation of the interactive notification by the one or more servers without input from the user, in near real time of receiving the transaction information, on at least one user device of the one or more user devices to enable an interaction with any of the plurality of transaction and item-level information included in the interactive notification.

2. The method as recited in claim 1 , wherein the financial account is a deposit account and the financial transaction is a debit card transaction.

3. The method as recited in claim 1 , wherein the financial account is a credit account and the financial transaction is a credit card transaction.

4. The method as recited in claim 1 , further comprising:
determining, by the one or more servers, the at least one user device via which to cause presentation of the notification based at least in part on user preferences of the user stored in the database.

5. The method as recited in claim 1 , wherein the transaction information is received from a card payment network computing system, an acquirer computing system, or an issuer computing system.

6. The method as recited in claim 5 , wherein the card payment network computing system, the acquirer computing system, or the issuer computing system receives the transaction information from a merchant device.

7. The method as recited in claim 1 , wherein the transaction information is received directly from a merchant device.

8. The method as recited in claim 1 , wherein the interactive notification further comprises a message displayed via a user interface within a mobile payment application.

9. The method as recited in claim 1 , wherein receiving the transaction information is based at least in part on a notification designation of the financial account at a merchant system or a card payment network system.

10. The method as recited in claim 1 , wherein causing presentation of the interactive notification is based at least in part on receiving a request from the user to be notified of activity associated with the financial account.

11. The method as recited in claim 1 , wherein the user comprises a first user, the data comprises first data, the database comprises a first database, the financial accounts comprise first financial accounts, and the user devices comprise first user devices, and the method further comprising:
storing, by the one or more servers in the first database or one or more second databases associated with the payment service, second data associated with one or more second financial accounts of a one or more second users and one or more second user devices of the second users.

12. A system comprising:
one or more processors;
one or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to:
store, at one or more servers of the system in a database associated with the system, data identifying one or more financial accounts of a user and one or more user devices of the user that are communicatively coupled to the one or more servers;
receive, by the one or more servers, transaction information corresponding to a financial transaction, wherein the transaction information includes at least a payment amount and is received from a point-of-sale system communicatively coupled to the one or more servers;
determine, by the one or more servers, that the transaction information is associated with a financial account of the one or more financial accounts of the user;
generate, by the one or more servers, an interactive notification associated with the financial transaction, wherein the interactive notification includes at least the payment amount and a plurality of transaction and item-level information associated with the financial transaction; and
cause presentation of the interactive notification by the one or more servers without input from the user, in near real time of receiving the transaction information, on at least one user device of the one or more user devices to enable an interaction with any of the plurality of transaction and item-level information included in the interactive notification.

13. The system as recited in claim 12 , wherein the transaction information is received from a merchant device via a card payment network computing system, an acquirer computing system, or an issuer computing system.

14. The system as recited in claim 12 , wherein the one or more processors are configured to cause the presentation of the interactive notification based at least in part on inclusion of the financial account in a whitelist database of accounts enrolled with the system.

15. The system as recited in claim 12 , wherein the one or more processors are further configured to execute the instructions to:
receive, from a merchant device, additional data obtained via a payment instrument used in the financial transaction,
cause the presentation of the interactive notification based at least in part on the additional data.

16. One or more non-transitory computer-readable media storing instructions, that when executed by one or more processors of a payment service system, cause the one or more processors to:
store, at one or more servers of the payment service system in a database associated with the payment service system, data identifying one or more financial accounts of a user and one or more user devices of the user that are communicatively coupled to the one or more servers;
receive, by the one or more servers, transaction information corresponding to a financial transaction, wherein the transaction information includes at least a payment amount and is received from a point-of-sale system communicatively coupled to the one or more servers;
determine, by the one or more servers, that the transaction information is associated with a financial account of the one or more financial accounts of the user;
generate, by the one or more servers, an interactive notification associated with the financial transaction, wherein the interactive notification includes at least the payment amount and a plurality of transaction and item-level information associated with the financial transaction; and
cause presentation of the interactive notification by the one or more servers without input from the user, in near real time of receiving the transaction information, on at least one user device of the one or more user devices to enable an interaction with any of the plurality of transaction and item-level information included in the interactive notification.

17. The one or more non-tr

Assignees

• Block Inc

Inventors

• Aaron Paul
• Brock Zachary

Classifications

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/04

  Payment circuits · CPC title