Receipt generation service

Patent metadata

Field	Value
Publication number	US-9430918-B2
Application number	US-201414494522-A
Country	US
Kind code	B2
Filing date	Sep 23, 2014
Priority date	Sep 23, 2014
Publication date	Aug 30, 2016
Grant date	Aug 30, 2016

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

The invention claimed is:

1. A method comprising:
receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device, wherein the transaction information includes information that identifies a location of the point of entry device;
selecting a receipt template from among a plurality of receipt templates stored at a database accessible to the server, wherein the receipt template is selected based, at least in part, on the location of the point of entry device, wherein each of the plurality of receipt templates includes one or more data fields for inserting regulatory requirement information, wherein different locations are associated with different regulatory requirements;
determining, by the server, receipt information to be included in a receipt for the money transfer transaction, wherein the receipt information is determined based, at least in part, on the transaction information, and wherein 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;
generating, by the server, the receipt that includes the receipt information, wherein generating the receipt includes inserting regulatory requirement information associated with the location of the point of entry device into one or more data fields of the selected receipt template;
transmitting the receipt from the server to the point of entry device via the network;
receiving, by the server, an audit request that identifies one or more money transfer transaction types; and
in response to receiving the audit request:
identifying completed money transfer transactions corresponding to the one or more money transfer transaction types;
retrieving receipts associated with the completed money transfer transactions identified as corresponding to the one or more money transfer transaction types; and

generating a report based on the retrieved receipts, wherein the report includes information for proving compliance with regulatory requirements associated with the completed money transfer transactions.

2. The method of claim 1 , wherein the method includes determining, based on the transaction information, service level information, wherein the service level information includes an estimated date when funds transferred in connection with the money transfer transaction will be accessible to a receiving party and includes contact information for a money transfer entity that operates the point of entry device, wherein each of the plurality of receipt templates includes at least one service level information data field for inserting service level information, and wherein generating the receipt includes inserting the service level information into the at least one service level information data field of the selected receipt template.

3. The method of claim 1 , wherein each of the plurality of receipt templates includes a legal disclaimers and notices section configured to satisfy the regulatory requirements for a particular location, and wherein the receipt is generated by populating a legal disclaimers and notices data field of the selected receipt template with legal disclaimer and notices information specific to the location of the point of entry device.

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

5. The method of claim 1 , wherein the generating of the receipt includes generating a portable document format (PDF) copy of the receipt, and wherein the PDF copy of the 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 receipt at a database accessible to the server.

7. The method of claim 1 , wherein the method includes:
generating a second receipt for the money transfer transaction, wherein the receipt is a sending party receipt, wherein the second receipt is a receiving party receipt, and wherein the second receipt includes information that enables the receiving party to receive funds in connection with the money transfer transaction; and
initiating transmission of the second receipt from the server to an electronic device associated with the receiving party.

8. The method of claim 1 , wherein the method includes:
determining promotion information; and
inserting the promotion information into the receipt.

9. The method of claim 8 , wherein the promotion information includes discount information that provides a reduced fee during a subsequent money transfer transaction.

10. The method of claim 8 , 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 the subsequent money transfer transaction.

11. The method of claim 8 , wherein the method includes generating a quick response (QR) code, wherein the promotion information is embedded within the QR code, and wherein the inserting of the promotion information into the receipt includes inserting the QR code into the receipt.

12. An apparatus comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to perform operations comprising:
receiving transaction info information descriptive of a money transfer transaction initiated at a point of entry device via a network, wherein the transaction information includes information that identifies a location of the point of entry device;
determining receipt information to be included in a receipt for the money transfer transaction, wherein the receipt information is determined based, at least in part, on the transaction information, and wherein 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;
generating the receipt that includes the receipt information;
transmitting the receipt to the point of entry device via the network;
receiving an audit request that identifies one or more money transfer transaction types; and
in response to receiving the audit request:
identifying completed money transfer transactions corresponding to the one or more money transfer transaction types;
retrieving receipts associated with the completed money transfer transactions identified as corresponding to the one or more money transfer transaction types; and
generating a report based on the retrieved receipts, wherein the report includes information for proving compliance with regulatory requirements associated with the completed money transfer transactions.

13. The apparatus of claim 12 , wherein the operations include selecting a receipt template from among a plurality of receipt templates stored at a database, wherein the receipt template is selected based, at least in part, on the location of the point of entry device, wherein each of the plurality of receipt templates includes one or more data fields for inserting regulatory requirement information, wherein different locations are associated with different regulatory requirements, and wherein generating the receipt includes inserting regulatory requirement information associated with the location of the point of entry device into one or more data fields of the selected receipt template.

14. The apparatus of claim 13 , wherein the operations include determining, based on the transaction information, service level information, wherein the service level

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

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G07G5/00 Primary

  Receipt-giving machines · CPC title

• G06Q20/209 Primary

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