Receipt generation service

Patent metadata

Field	Value
Publication number	US-2017357958-A1
Application number	US-201715688752-A
Country	US
Kind code	A1
Filing date	Aug 28, 2017
Priority date	Sep 23, 2014
Publication date	Dec 14, 2017
Grant date	—

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

1 . A method comprising:
storing a plurality of receipt templates at a database accessible to a server, wherein each receipt template of the plurality of receipt templates includes status information that indicates whether the receipt template has been approved as compliant with one or more regulatory requirements, wherein each of the plurality of receipt templates includes one or more data fields for inserting regulatory requirement information, and wherein different locations are associated with different regulatory requirements; receiving, by the server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device operated by a money transfer entity, wherein the money transfer transaction is between a sending party and a receiving party, wherein the transaction information includes information that identifies a location of the point of entry device and a location associated with the receiving party; selecting a first receipt template and a second receipt template from among the plurality of receipt templates stored at the database accessible to the server, wherein the first receipt template is selected based on a determination that: 1) the first receipt template comprises regulatory requirements information that satisfies one or more regulatory requirements applicable to the location of the point of entry device and 2) the status information of the first receipt template indicates the regulatory requirements information included in the first receipt template has been approved as compliant with the one or more regulatory requirements applicable to the location of the point of entry device, and wherein the second receipt template is selected based on a determination that: 1) the second receipt template comprises regulatory requirements information that satisfies one or more regulatory requirements applicable to the location associated with the receiving party and 2) the status information of the second receipt template indicates the regulatory requirements information included in the second receipt template has been approved as compliant with the one or more regulatory requirements applicable to the location of the point of entry device; and generating, by the server, a first receipt that includes first receipt information and a second receipt that includes second receipt information, wherein at least a portion of the first receipt information and the second receipt information are determined based on the transaction information, wherein generating the receipt includes inserting first regulatory requirement information associated with the location of the point of entry device into one or more data fields of the first receipt template and inserting second regulatory requirement information associated with the location associated with the receiving party into one or more data fields of the second receipt template, wherein the server transmits the first receipt to the point of entry device in connection with a send portion of the money transfer transaction and transmits the second receipt to a second point of entry device in connection with a receive portion of the money transfer transaction.

2 . The method of claim 1 , further comprising:
determining service level information for at least one of the first receipt and the second receipt based, at least in part, on the transaction information, wherein the service level information indicates an estimated date when funds transferred in connection with the money transfer transaction will be accessible to the receiving party and contact information for the money transfer entity; and inserting the service level information into a field of at least one of the first receipt and the second receipt.

3 . The method of claim 1 , wherein status information for at least one receipt template of the plurality of receipt templates comprises authorization information that indicates a time period during which the at least one receipt template is authorized for use in generating receipts comprising regulatory requirements.

4 . The method of claim 3 , wherein the status information further comprises replacement information that identifies a third receipt template of the plurality of receipt templates that is to replace the at least one receipt template and information that identifies a time when the third receipt template is to replace the at least one receipt template.

5 . The method of claim 1 , wherein the generating of the first receipt and the second receipt includes generating a portable document format (PDF) copy of the first receipt and the second receipt, and wherein the method includes transmitting the PDF copy of the first receipt is transmitted from the server to the point of entry device via the network.

6 . The method of claim 1 , wherein the method includes storing a copy of the first receipt and the second receipt at the database accessible to the server.

7 . The method of claim 1 , wherein the first receipt is a white label receipt that includes a region for inserting local content generated by the point of entry device.

8 . The method of claim 1 , wherein the second receipt is a white label receipt that includes a region for inserting content branded with information associated with entity that is different from an entity that operates the server.

9 . The method of claim 1 , wherein the method includes:
determining promotion information, wherein the promotion information includes discount information that provides at least one of a reduced fee, expedited handling, and upgraded money transfer transaction type during a subsequent money transfer transaction; and inserting the promotion information into at least one of the first receipt and the second receipt.

10 . The method of claim 9 , wherein the promotion information includes at least a portion of the transaction information, and wherein, during a subsequent money transfer transaction, the promotion information is used to configure at least a portion of the subsequent money transfer transaction.

11 . The method of claim 9 , wherein the method includes generating a quick response (QR) code that includes the promotion information, and wherein inserting the promotion information into at least one of the first receipt and the second receipt includes inserting the QR code into at least one of the first receipt and the second receipt.

12 . A system comprising:
a database configured to store a plurality of receipt templates at a database accessible to a server, wherein each receipt template of the plurality of receipt templates includes a status information that indicates whether the receipt template has been approved as compliant with one or more regulatory requirements, wherein each of the plurality of receipt templates includes one or more data fields for inserting regulatory requirement information, and wherein different locations are associated with different regulatory requirements; a central server comprising a processor, and a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
receiving, via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device operated by a money transfer entity, wherein the money transfer transaction is between a sending party and a receiving party, wherein the transaction information includes information that identifies a location of the point of entry device and a location associated with the receiving party;
selecting a first receipt template and a second receipt template from among the plurality of receipt templates stored at the database accessible to the server, wherein

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