Receipt generation service

Patent metadata

Field	Value
Publication number	US-9542677-B1
Application number	US-201615251251-A
Country	US
Kind code	B1
Filing date	Aug 30, 2016
Priority date	Sep 23, 2014
Publication date	Jan 10, 2017
Grant date	Jan 10, 2017

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:
storing 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;
receiving, by the 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 the plurality of receipt templates stored at the database accessible to the server, wherein the receipt template is selected based on a determination that: 1) the 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 receipt template indicates the regulatory requirements information included in the receipt template has been approved as compliant with the one or more regulatory requirements applicable to the location of the point of entry device;
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; and
transmitting the receipt from the server to the point of entry device via the network.

2. The method of claim 1 , wherein the receipt information included in the receipt for the money transfer transaction comprises service level information, and wherein the method further comprises determining the service level information included in the receipt based, at least in part, on the transaction 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 to the money transfer transaction and contact information for a money transfer entity that operates the point of entry device.

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

4. The method of claim 3 , wherein the first status information further comprises replacement information that identifies a second receipt template of the plurality of receipt templates that is to be replaced by the first receipt template during at least the time period indicated by the authorization information.

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 receipt is a white label receipt that includes a region for inserting local content generated by the point of entry device.

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

11. The method of claim 9 , 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. 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, by the processor 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 the plurality of receipt templates stored at the database, wherein the receipt template is selected based on a determination that: 1) the 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 receipt template indicates the regulatory requirements information included in the receipt template has been approved as compliant with the one or more regulatory requirements applicable to the location of the point of entry device;
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 sel

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

• G06Q20/209 Primary

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

• G07G5/00

  Receipt-giving machines · CPC title

• G06Q20/0453

  Physics · mapped topic