Automatic Electronic Receipt Transmission via Contact Capture
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Solution Overview
Problem
Existing electronic transaction systems require users to manually input their contact information for receiving receipts, which is cumbersome, error-prone, and raises privacy concerns, especially when using unsecured merchant devices for mobile transactions.
Innovation Solution
A system and method that automatically captures electronic contact addresses from a personal transaction device, such as a payment card or NFC-enabled device, and transmits electronic receipts to these addresses without requiring user input, enhancing privacy and security by using a computing device with an electronic reader and network communication interface to process transactions and send receipts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If electronic receipts are transmitted to consumers, then receipt delivery is achieved, but manual entry of contact addresses is required which is lengthy and cumbersome
Solution Approach 1:
The system pre-loads contact addresses from the consumer's contact list application before the transaction is completed. This preliminary action eliminates the need for manual entry during the transaction process, allowing the consumer to simply select from pre-fetched contact information or opt for automatic selection.
Solution Approach 2:
The system automatically performs the contact address selection and receipt transmission process. The processor automatically selects a contact address based on consumer input (such as selecting all contacts or a specific number) and initiates transmission without requiring manual typing or extensive user interaction, making the system serve itself in completing the receipt delivery task.
2Reliability
If contact addresses are manually entered, then electronic receipt transmission is enabled, but typographical errors occur making transmission unreliable
Solution Approach 1:
Instead of manual typing, the system copies contact addresses directly from the consumer's stored contact list application. This copying mechanism ensures that the exact contact information is transferred without typographical errors, as the data is retrieved from an already-verified source rather than being re-entered by the user.
Solution Approach 2:
The system provides feedback to the consumer by displaying the selected contact address(es) before final transmission. This allows the consumer to verify that the correct contact information will be used, and to make corrections if needed, thereby ensuring accuracy while maintaining ease of operation.
3Ease of operation
If personal contact information is collected at merchant devices, then receipt transmission is achieved, but consumer privacy and trust are compromised
Solution Approach 1:
The system uses the consumer's mobile device as an intermediary between the transaction system and the contact information storage. The contact addresses are retrieved from the consumer's own device through secure communication protocols, rather than being directly accessed or stored on the merchant's system. This intermediary approach maintains consumer control over their data while enabling automatic receipt transmission.
Solution Approach 2:
The consumer's device performs the function of providing and managing contact information securely. The system leverages the consumer's existing contact list application to supply the necessary data, eliminating the need for the merchant system to collect or store sensitive personal information. The consumer essentially serves themselves by providing the contact data through their own secure device.
Data Source
AI summary
Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address.