Providing e-receipts to customers

摘要

Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

主权项

1. A financial institution system for providing e-receipts to customers, the system comprising:
a computer apparatus including a processor and a memory; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to:
receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant;initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data based on authorization from the customer to be enrolled in a point of transaction e-receipt communication program;receive customer identification information from the merchant;access a participating customer list comprising information corresponding to a plurality of customers participating in the point of transaction e-receipt communication program;determine whether the received customer identification information corresponds to any of the plurality of customers in the participating customer list; andif so, initiate communication of a confirmation message to the merchant indicating to the merchant that the customer is participating in the point of transaction e-receipt communication program,wherein the transaction data is received from the merchant in response to the merchant receiving the confirmation message.