Predictive geolocation based receipt retrieval for post transaction activity

摘要

In general, embodiments of the invention are directed to a system, method, or computer program product for providing a user with a predictive geo-location based receipt retrieval for post transaction action. Consumers receive e-receipts after handling a transaction with a merchant in many ways. These receipts can be stored and managed with considerably ease over physical receipts. Consumers may use these receipts after making a purchase for post transaction actions such as product return, product refund, warranty services, and/or the like. The present invention may be used to retrieve the receipts based on the consumer's geographic location, predicting a post transaction action scenario.

主权项

1. A system for predictive receipt retrieval for product returns, the system comprising:
at least one memory device with computer-readable program code stored thereon; at least one communication device comprising a location determining device and at least one local memory device; at least one processing device operatively coupled to the at least one memory device and the at least one communication device; a post transaction application routine stored in the at least one memory and operatively coupled to the at least one communication device, comprising instruction code that is executable by the at least one processing device, and configured to:
receive an indication of a transaction being completed between a user and a merchant;initiate a request to receive a receipt associated with the transaction from the merchant;receive the receipt from the transaction between the user and the merchant based on at least the received request; andstore the receipt received from the transaction in a financial institution database; an application initiation routine stored in the at least one local memory device and operatively coupled to the location determining device associated with the communication device, comprising instruction code that is executable by the at least one processing device, and configured to:
receive an indication from the user to initiate a post transaction application;determine that the user has previously enrolled in the post transaction application based on at least receiving the indication from the user to initiate the post transaction application;receive a geographic location of the user using the location determining device based on at least determining that the user has previously enrolled in the post transaction application;identify one or more merchants relative in location to the geographic location of the user based at least in part on the geographic location of the user, wherein identifying further comprises determining that the user has transacted with the identified one or more merchants located in a geographic location relative in location to the geographic location of the user and at other locations of the identified one or more merchants, wherein the other locations are not in the geographic location relative in location to the geographic location of the user;retrieve one or more receipts from transactions between the user and the one or more identified merchants relative in location to the geographic location of the user and the same one or more merchants identified at the other locations;initiate presentation of the one or more retrieved receipts on the communication device of the user;receive a user selection of at least one of the one or more retrieved receipts using the communication device of the user;identify one or more products of the transactions between the one or more identified merchants and the user based at least in part on the retrieved receipts selected by the user from transactions between the one or more identified merchants and the user;determine if the one or more products identified can be associated with a post transaction action based on at least one of a post transaction policy associated with the one or more products identified;determine a confidence score for the one or more products identified, wherein the confidence score predicts the possibility of post transaction action, wherein determining the confidence score comprises ranking the one or more products identified from a high confidence score to a low confidence score, wherein the one or more products with the high confidence score are able to be part of the post transaction action, wherein determining a confidence score includes geographic location of the user, merchant identification, merchant post transaction action policy, and product information; andpresent list of one or more products identified in order of categorization to the user.