US 12,118,521 B2
Real-time transaction and receipt processing systems
Jeffrey Paul Myren, Reston, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 16, 2022, as Appl. No. 17/946,483.
Application 17/946,483 is a continuation of application No. 16/674,070, filed on Nov. 5, 2019, granted, now 11,501,268.
Application 16/674,070 is a continuation of application No. 16/394,294, filed on Apr. 25, 2019, granted, now 10,482,433, issued on Nov. 19, 2019.
Prior Publication US 2023/0013189 A1, Jan. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/04 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/047 (2020.05) [G06Q 20/202 (2013.01); G06Q 20/407 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, cause the system to:
receive, from a user device associated with a user, user receipt preferences;
receive, from a merchant device, a purchase authorization request associated with an attempted purchase;
determine, based on the user receipt preferences, whether a receipt status may be associated with the attempted purchase;
responsive to determining the receipt status may not be associated with the attempted purchase:
set a receipt flag to indicate the merchant device should initiate a direct wireless communication session with the user device such that the user may provide, in real-time, a new receipt status associated with the attempted purchase;
determine that the attempted purchase should be authorized;
generate an authorization message comprising the receipt flag and authorization for the merchant device to complete the attempted purchase; and
transmit the authorization message to the merchant device.