System and method for e-receipt platform

Patent metadata

Field	Value
Publication number	US-12518253-B2
Application number	US-201816196902-A
Country	US
Kind code	B2
Filing date	Nov 20, 2018
Priority date	Nov 20, 2017
Publication date	Jan 6, 2026
Grant date	Jan 6, 2026

Abstract

Embodiments described herein provide a platform, device and process for storing transaction data from a point of sale device (e.g., at a merchant) or from an intermediary data store so a representation of the data can later be presented to a customer. The data is stored, relevant data extracted, and additional data is combined to enable reconstruction of transaction data in a form for presentation of transaction data as an e-receipt on an online platform or allowing transaction data to be used as security questions for a user to whom the transaction data relates.

First claim

What is claimed is:

1 . A computer-network implemented method for generating an enhanced data structure adapted for improved resilience against falsification when providing authenticated access to an electronic resource, the method comprising:
receiving one or more data sets representing transaction data of a transaction, from one or more data stores associated with a point of sale computing device, the transaction data including at least a transaction ID; processing the one or more data sets to extract the transaction data and to generate one or more associations between the transaction data, a merchant identifier corresponding with the point of sale computing device and one or more financial statement records stored at a financial institution computing system; populating the enhanced data structure storing the one or more financial statement records enhanced with the transaction data based on the one or more generated associations between the transaction data and the one or more financial statement records, the enhanced data structure transformed to include additional data fields having both at least a timestamp field and an encryption field complementary between the enhanced data structure and a physical receipt; generating, by a user device interfacing with a transaction platform through electric communication, a signal indicative of a user request to access the electronic resource using the enhanced data structure, at least a portion of the enhanced data structure embedded in the signal, and the enhanced data structure includes data representing at least one itemized transaction from the transaction and a corresponding timestamp data value from the timestamp field; receiving, by the financial institution computing system, the signal indicative of the user request to access the electronic resource; responsive to the received signal being received within a duration of time following the timestamp data value, generating, by the user device or the financial institution computing system, an interface element for presenting one or more security questions at the user device, the one or more security questions being generated based on the at least one itemized transaction from the electronic receipt, wherein the electronic receipt comprising the itemized transaction is part of the electronic resource requested in the user request; and responsive to determining that a correct response to at least one of the one or more security questions is received, granting, by the financial institution computing system, access to the electronic resource.

2 . The method of claim 1 , comprising responsive to the received signal indicative of a request to view the electronic receipt, automatically generating: the electronic receipt based on the transaction ID and the enhanced data structure, and an electronic command for a display of the user device to render presentation of the electronic receipt.

3 . The method of claim 2 , comprising populating the enhanced data structure with merchant formatting preferences, and wherein generating of the electronic receipt comprises traversing the enhanced data structure and configuring visual presentment in accordance with the merchant formatting preferences.

4 . The method of claim 3 , wherein the merchant formatting preferences comprise at least one of: associated branding images, visual element sizing, and visual element positioning.

5 . The method of claim 2 , comprising populating the enhanced data structure with user formatting preferences, and wherein generating of the electronic receipt comprises traversing the enhanced data structure and configuring visual presentment in accordance with the user formatting preferences.

6 . The method of claim 1 , comprising generating the one or more security questions for authentication of the user based at least on the enhanced data structure and the transaction data, wherein the one or more security questions comprises a question regarding an quantity of items in the itemized transaction in the electronic receipt.

7 . A computer system for generating an enhanced data structure adapted for improved resilience against falsification when providing authenticated access to an electronic resource, the system comprising a processor and a non-transitory computer-readable medium having machine readable instructions stored thereon, the instructions, when executed, configures the processor to:
receive one or more data sets representing transaction data of a transaction, from one or more data stores associated with a point of sale computing device, the transaction data including at least a transaction ID; process the one or more data sets to extract the transaction data and to generate one or more associations between the transaction data, a merchant identifier corresponding with the point of sale computing device and one or more financial statement records stored on a data storage on computing system; populate the enhanced data structure storing the one or more financial statement records enhanced with the transaction data based on the one or more generated associations between the transaction data and the one or more financial statement records, the enhanced data structure transformed to include additional data fields having both at least a timestamp field and an encryption field complementary between the enhanced data structure and a physical security feature embedded on a physical receipt; receive, from a user device interfacing with a transaction platform through electric communication, a signal indicative of a user request to access the electronic resource using the enhanced data structure, the enhanced data structure comprising data representing at least one itemized transaction from the transaction and a corresponding timestamp data value from the timestamp field; the signal being generated by the user device, and at least a portion of the enhanced data structure is embedded in the signal; responsive to the received signal being received within a duration of time following the timestamp data value, generate an interface element for presenting one or more security questions at the user device, the one or more security questions being generated based on the at least one itemized transaction from the electronic receipt, wherein the electronic receipt comprising the itemized transaction is part of the electronic resource requested in the user request; and responsive to determining that a correct response to at least one of the one or more security questions is received, grant access to the electronic resource.

8 . The system of claim 7 , wherein the processor is configured to: responsive to the received signal indicative of a request to view the electronic receipt, automatically generate: the electronic receipt based on the transaction ID and the enhanced data structure, and an electronic command for a display of the user device to render presentation of the electronic receipt.

9 . The system of claim 8 , wherein the processor is configured to populate the enhanced data structure with merchant formatting preferences, and wherein generating of the electronic receipt comprises traversing the enhanced data structure and configuring visual presentment in accordance with the merchant formatting preferences.

10 . The system of claim 9 , wherein the processor is configured to populate the enhanced data structure with user formatting preferences, and wherein the generating of the electronic receipt comprises traversing the enhanced data structure and configuring visual presentment in accordance with the user formatting preferences.

11 . The system of claim 9 , wherein the merchant formatting preferences comprise at least one of: asso

Assignees

• Royal Bank Of Canada

Inventors

• Tonio Arun
• Kumar Dileep
• Saha Shuvradipta

Classifications

• G06Q20/209

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

• G06F21/31 Primary

  User authentication · CPC title

• G06Q20/047 Primary

  using payment protocols involving electronic receipts · CPC title