ITEM-LEVEL INFORMATION COLLECTION FOR INTERACTIVE PAYMENT EXPERIENCE

摘要

Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.

主权项

1. A method comprising:
maintaining, at a first computer system of a merchant, a database containing data identifying a financial account of a user, the financial account being associated with an interactive payment experience service; receiving, at the first computer system, a request for initiating a payment transaction that relates to the financial account; determining based on the database, at the first computer system, that the financial account is associated with the interactive payment experience service; in response to determining that the financial account is associated with the interactive payment experience service, sending, from the first computer system of the merchant to a second computer system of the interactive payment experience service, item-level information about goods or services involved in the payment transaction, wherein the second computer system of the interactive payment experience service has access to information of the financial account of the user and information to enable the second computer system to communicate with a mobile device of the user, and the interactive payment experience service is not a participant in processing the payment transaction and is not in a payment transaction message flow between the merchant and a card issuer involved in the transaction; generating, at the second computer system, a digital transaction receipt that indicates the goods or services involved in the payment transaction based on the item-level information; and transmitting, to the mobile device from the second computer system, the digital transaction receipt, wherein the mobile device presents the digital transaction receipt as an element of an interactive user interface.