Proxy card payment with digital receipt delivery

摘要

Disclosed herein are techniques for providing a digital receipt to a consumer upon tender of payment to a merchant through the use of a proxy payment card in a financial transaction. The proxy payment card can be associated with multiple financial accounts (e.g., accounts associated with credit cards, debit cards, or gift cards). The digital receipt is automatically received at a personal computing device of the consumer in response to the financial transaction being charged to a financial account associated with the proxy payment card. The digital receipt includes information indicative of the financial transaction. The digital receipt can also include one or more interactive components that allow the consumer to interact with the transaction (and/or merchant) subsequent to transmission of the receipt, such as adding a tip, providing feedback, redeeming a promotion reward, tracking loyalty reward points, or reviewing transaction records of past and present transactions.

主权项

1. A method comprising:
receiving, by a transaction computer system, via a network, and from a point-of-sale (POS) system associated with a payee:
transaction information of indicating a financial transaction between a payer and the payee, the financial transaction involving use of a payment object associated with the payer to pay for products or services provided by the payee in the financial transaction; andpayment object information read from the payment object via a reader device coupled to the POS system; in response to receiving the payment object information, automatically:
accessing, by the transaction computer system, a database to obtain payment account information associated with the payment object;selecting, by the transaction computer system, a particular payment account associated with the payment object based on the accessed payment account information; andtransmitting, by the transaction computer system, the transaction information and payment account information to a financial system associated with the selected particular payment account for authorization; receiving, by the transaction computer system, a notification of payment authorization of the selected particular payment account associated with the payment object for charging a payment associated with the financial transaction; and in response to the payment authorization of the particular payment account, automatically:
generating, by the transaction computer system, a digital receipt indicative of the financial transaction, the digital receipt including an interactive feedback component;identifying, by the transaction computer system, a unique identifier associated with the payer based on the accessed payment account information; andbased on the unique identifier, transmitting the digital receipt, by the transaction computer system, over the network, to a personal computing device associated with the payer for display by a mobile application at the personal computing device, wherein the interactive feedback component enables the payer to input feedback via the mobile application, the feedback associated with the products or services relating to the financial transaction wherein the transaction computer system is configured to automatically communicate feedback input by the payer via the interactive feedback component, to a third-party aggregator that aggregates a set of feedback associated with the payee.