Enhancement of mobile device initiated transactions

Patent metadata

Field	Value
Publication number	US-2016132875-A1
Application number	US-201414173614-A
Country	US
Kind code	A1
Filing date	Feb 5, 2014
Priority date	Feb 5, 2014
Publication date	May 12, 2016
Grant date	—

Abstract

An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.

First claim

1 . A computer-implemented method for enhancing financial transaction data, comprising:
receiving, by one or more computing devices, a payment authorization request for a financial transaction between a user and a merchant, wherein the payment authorization request comprises financial transaction data and a financial account identifier, the financial account identifier transmitted by a computing device operated by the user to a computing device operated by the merchant in response to a request for payment; receiving, by the one or more computing devices and from the computing device operated by the user, additional transaction data for the financial transaction between the user and the merchant, wherein the computing device operated by the user logs the additional transaction data in response to receiving the request for payment from the computing device operated by the merchant; determining, by the one or more computing devices, that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user; communicating, by the one or more computing devices, an approval of the payment authorization request to the merchant; creating, by the one or more computing devices, an enhanced receipt for the financial transaction, the enhanced receipt comprising augmented financial transaction data, wherein the augmented financial transaction data comprises at least a portion of the financial transaction data received in the payment request and at least a portion of the additional transaction data; and transmitting, by the one or more computing devices and to the computing device operated by the user, the enhanced receipt.

2 . The method of claim 1 , wherein the additional transaction data comprises a time stamp, wherein the time stamp indicates a time when the request for payment was received from the computing device operated by the merchant.

3 . The method of claim 2 , wherein determining that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user comprises determining, by the one or more computing devices, that a time associated with the financial transaction data is within a predefined window of time of the time stamp.

4 . The method of claim 1 , wherein the additional transaction data comprises a location of the computing device operated by the user at a time when the request for payment was received from the computing device operated by the merchant.

5 . The method of claim 4 , wherein determining that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user comprises determining, by the one or more computing devices, that the location of the computing device operated by the user at the time when the request for payment was received from the computing device operated by the merchant corresponds to a location of the computing device operated by the merchant at a time when the payment authorization request was transmitted.

6 . The method of claim 1 , wherein the additional transaction data comprises a transaction counter incremented by the computing device operated by the user each time a request for payment is received.

7 . The method of claim 6 , wherein determining that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user comprises determining, by the one or more computing devices, that the transaction counter incremented by the computing device operated by the user each time a request for payment is received corresponds to a transaction counter transmitted in the payment request.

8 . The method of claim 4 , wherein creating the enhanced receipt for the financial transaction further comprises:
determining, by the one or more computing devices, a merchant name by comparing the location of the computing device operated by the user at the time when the request for payment was received from the computing device operated by the merchant with known merchant names; and wherein the augmented financial transaction data comprises the determined merchant name.

9 . The method of claim 1 , wherein creating the enhanced receipt for the financial transaction further comprises:
determining, by the one or more computing devices, that the merchant is a merchant type that transmits a payment authorization request for a financial transaction amount that differs from a final financial transaction amount; and wherein the augmented financial data comprises an adjusted financial transaction amount comprising the financial transaction amount plus a predefined percentage increase.

10 . The method of claim 9 , wherein the merchant type is a restaurant, food service, gas station, service station, or convenience store.

11 . The method of claim 9 , further comprising:
receiving, by the one or more computing devices, an updated payment authorization request, wherein the updated payment authorization request comprises an updated financial transaction amount; creating, by the one or more computing devices, an updated enhanced receipt, wherein the enhanced receipt is updated with the updated financial transaction amount; and transmitting, by the one or more computing devices, the updated enhanced receipt to the computing device operated by the user.

12 . A computer program product comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to enhance financial transaction data, the computer readable instructions comprising:
computer-readable program instructions for receiving a payment authorization request for a financial transaction between a user and a merchant, wherein the payment authorization request comprises financial transaction data and financial account identifier, the financial account identifier transmitted by a computing device operated by the user to a computing device operated by the merchant in response to a request for payment;
computer-readable program instructions for receiving, from the computing device operated by the user, additional transaction data for the financial transaction between the user and the merchant, wherein the computing device operated by the user logs the additional transaction data in response to receiving the request for payment from the computing device operated by the merchant;
computer-readable program instructions for determining that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user;
computer-readable program instructions for communicating an approval of the payment authorization request to the merchant; and
computer-readable program instructions for creating an enhanced receipt for the financial transaction, the enhanced receipt comprising augmented financial transaction data, wherein the augmented financial transaction data comprises at least a portion of the financial transaction data received in the payment request and at least a portion of the additional transaction data.

13 . The computer program product of claim 12 , further comprising computer-readable program instructions for transmitting, to the computing device operated by the user, the enhanced receipt.

14 . The computer program produ

Assignees

• Google Inc

Inventors

• Blanco Ignacio Carlos
• Talavera Daniel Joseph
• Chandak Amit

Classifications

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• G06Q20/40 Primary

  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