ENHANCEMENT OF MOBILE DEVICE INITIATED TRANSACTIONS

摘要

An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.

主权项

1. A computer-implemented method for enhancing financial transaction data, comprising:
receiving, by one or more computing devices, a payment authorization request for a financial transaction between a user and a merchant, wherein the payment authorization request comprises financial transaction data and a financial account identifier, the financial account identifier transmitted by a computing device operated by the user to a computing device operated by the merchant in response to a request for payment; receiving, by the one or more computing devices and from the computing device operated by the user, additional transaction data for the financial transaction between the user and the merchant, wherein the computing device operated by the user logs the additional transaction data in response to receiving the request for payment from the computing device operated by the merchant; determining, by the one or more computing devices, that the financial transaction data received in the payment authorization request corresponds to the additional transaction data received from the computing device operated by the user; communicating, by the one or more computing devices, an approval of the payment authorization request to the merchant; creating, by the one or more computing devices, an enhanced receipt for the financial transaction, the enhanced receipt comprising augmented financial transaction data, wherein the augmented financial transaction data comprises at least a portion of the financial transaction data received in the payment request and at least a portion of the additional transaction data; and transmitting, by the one or more computing devices and to the computing device operated by the user, the enhanced receipt.