US 12,387,233 B2
Systems and methods for capturing account holder consent for transaction data collection
Jacob Matthew Sterling, Creve Coeur, MO (US); Scott Wayne DeAngelo, Mason, OH (US); Dennis A. Kettler, Mason, OH (US); Balaji Janakiraman Iyer, Aurora, IL (US); and Trevor Alan Bass, Cambridge, MA (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by Worldpay, LLC, Symmes Township, OH (US)
Filed on Dec. 1, 2023, as Appl. No. 18/526,135.
Application 18/526,135 is a continuation of application No. 16/932,457, filed on Jul. 17, 2020, granted, now 11,875,373.
Application 16/932,457 is a continuation of application No. 14/609,546, filed on Jan. 30, 2015, granted, now 10,776,802, issued on Sep. 15, 2020.
Prior Publication US 2024/0104596 A1, Mar. 28, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/02 (2012.01); G06Q 30/0201 (2023.01); G06Q 30/0207 (2023.01)
CPC G06Q 30/0222 (2013.01) [G06Q 30/0201 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
determining, by one or more computing devices associated with an acquirer processor, that an account holder associated with a payment vehicle account is initiating a payment transaction at a point of sale device that is associated with a merchant;
providing, by the one or more computing devices associated with the acquirer processor and in response to initiating the payment transaction, a transaction data capture consent request for display on a graphical user interface of the point of sale device, wherein the transaction data capture consent request comprises a graphical representation of a plurality of incentives associated with the merchant and a graphical representation of a plurality of scopes of consent presented as an incentive-consent matrix;
automatically updating, by the one or more computing devices associated with the acquirer processor, the graphical representation of the plurality of incentives and the graphical representation of the plurality of scopes of consent in the graphical user interface in real-time as input from the account holder is received in the graphical user interface;
receiving, by the one or more computing devices associated with the acquirer processor, transaction data corresponding to the payment transaction, an indication of consent from the account holder associated with the payment vehicle account via the input received in the graphical user interface, a selection of a defined consent time period from the account holder after which the consent is revoked via the input received in the graphical user interface, and a selection of a defined data scope from the account holder, via the input received in the graphical user interface, which identifies an amount of the received transaction data that may be stored, and a recipient, or type of recipient, that may have access to the transaction data;
altering the received transaction data by applying at least one of the plurality of incentives to the payment transaction based on a scope corresponding to the defined consent time period and the defined data scope;
writing, to a transaction data database in electronic communication with the one or more computing devices associated with the acquirer processor, the altered transaction data in a transaction record including the selected defined consent time period and the amount of the received transaction data based on the defined data scope;
determining an identity of the recipient based on an application programming interface (API) key associated with the recipient;
determining that the recipient is permitted to access the altered transaction data based on the determined identity;
in response to determining that the recipient is permitted to access the altered transaction data, providing the altered transaction data to the recipient; and
purging, or restricting access of the recipient to, by the one or more computing devices associated with the acquirer processor, the transaction record from the transaction data database at an expiration date based on a temporal duration of the selected defined consent time period.