System and Method For Automated Linkage of Enriched Transaction Data to a Record of Charge

Patent metadata

Field	Value
Publication number	US-2018137506-A1
Application number	US-201615350724-A
Country	US
Kind code	A1
Filing date	Nov 14, 2016
Priority date	Nov 14, 2016
Publication date	May 17, 2018
Grant date	—

Abstract

Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and/or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.

First claim

What is claimed is:

1 . A method, comprising:
authorizing, by a processor, a transaction between at least one of a merchant or a merchant aggregator and a transaction account holder; transmitting, by the processor, an authorization code to at least one of the merchant or the merchant aggregator, wherein the authorization code comprises data indicating that the transaction has been authorized and that a record of charge has been generated; receiving, by the processor, an enriched transaction data related to the transaction; matching, by the processor, the enriched transaction data to the record of charge; and associating, by the processor, the enriched transaction data to the record of charge.

2 . The method of claim 1 , wherein the enriched transaction data is transmitted by at least one of the merchant, the merchant aggregator, or a third party.

3 . The method of claim 1 , wherein the enriched transaction data comprises at least one of an electronic receipt information, a document, a tag, a note, a reminder related to the transaction, a warranty information, a return policy, an itinerary, a deadline, a transaction location map, or a product manual.

4 . The method of claim 1 , wherein the enriched transaction data is matched to the record of charge based on at least one of a merchant ID, a merchant name, a transaction date, a transaction amount, an authorization code, or an authorization timestamp.

5 . The method of claim 1 , further comprising returning, by the processor, the enriched transaction data to the transaction account holder, in response to a request for the enriched transaction data.

6 . The method of claim 1 , further comprising returning, by the processor, the enriched transaction data to the transaction account holder, in response to a request for the enriched transaction data associated with the record of charge, wherein the enriched transaction data comprises an electronic receipt information.

7 . The method of claim 6 , further comprising generating, by the processor, an enriched transaction data reminder based on the enriched transaction data, and transmitting, by the processor, the enriched transaction data reminder to the transaction account holder.

8 . A system comprising:
a processor, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
authorizing, by the processor, a transaction between at least one of a merchant or a merchant aggregator and a transaction account holder;
transmitting, by the processor, an authorization code to at least one of the merchant or the merchant aggregator, wherein the authorization code comprises data indicating that the transaction has been authorized and that a record of charge has been generated;
receiving, by the processor, an enriched transaction data related to the transaction;
matching, by the processor, the enriched transaction data to the record of charge; and
associating, by the processor, the enriched transaction data to the record of charge.

9 . The system of claim 8 , wherein the enriched transaction data is transmitted by at least one of the merchant, the merchant aggregator, or a third party.

10 . The system of claim 8 , wherein the enriched transaction data comprises at least one of an electronic receipt information, a document, a tag, a note, a reminder related to the transaction, a warranty information, a return policy, an itinerary, a deadline, a transaction location map, or a product manual.

11 . The system of claim 8 , wherein the enriched transaction data is matched to the record of charge based on at least one of a merchant ID, a merchant name, a transaction date, a transaction amount, an authorization code, or an authorization timestamp.

12 . The system of claim 8 , further comprising returning, by the processor, the enriched transaction data to the transaction account holder, in response to a request for the enriched transaction data.

13 . The system of claim 8 , further comprising returning, by the processor, the enriched transaction data to the transaction account holder, in response to a request for the enriched transaction data associated with the record of charge, wherein the enriched transaction data comprises an electronic receipt information.

14 . The system of claim 13 , further comprising generating, by the processor, an enriched transaction data reminder based on the enriched transaction data, and transmitting, by the processor, the enriched transaction data reminder to the transaction account holder.

15 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to perform operations comprising:
authorizing, by the computer based system, a transaction between at least one of a merchant or a merchant aggregator and a transaction account holder; transmitting, by the computer based system, an authorization code to the merchant, wherein the authorization code comprises data indicating that the transaction has been authorized and that a record of charge has been generated; receiving, by the computer based system, an enriched transaction data related to the transaction; matching, by the computer based system, the enriched transaction data to the record of charge; and associating, by the computer based system, the enriched transaction data to the record of charge.

16 . The article of manufacture of claim 15 , wherein the enriched transaction data is transmitted by at least one of the merchant, the merchant aggregator, or a third party.

17 . The article of manufacture of claim 15 , wherein the enriched transaction data comprises at least one of an electronic receipt information, a document, a tag, a note, a reminder related to the transaction, a warranty information, a return policy, an itinerary, a deadline, a transaction location map, or a product manual.

18 . The article of manufacture of claim 15 , wherein the enriched transaction data is matched to the record of charge based on at least one of a merchant ID, a merchant name, a transaction date, a transaction amount, an authorization code, or an authorization timestamp.

19 . The article of manufacture of claim 15 , further comprising returning, by the computer based system, the enriched transaction data to the transaction account holder, in response to a request for the enriched transaction data.

20 . The article of manufacture of claim 15 , further comprising generating, by the computer based system, an enriched transaction data reminder based on the enriched transaction data, and transmitting, by the computer based system, the enriched transaction data reminder to the transaction account holder.

Assignees

• American Express Travel Related Services Co Inc

Inventors

• Kcl Prasanth
• Meyerowitz Jordan
• Thomas Rajeev

Classifications

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/401 Primary

  Transaction verification · CPC title