Transaction Receipt Portal System for Secure Data Access

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Solution Overview

Problem

Existing card payment systems lack an efficient, flexible, and secure method for providing access to receipt data associated with completed transactions, particularly as they transition towards a paper-less environment.

Innovation Solution

A payment transaction system that includes a merchant system for processing transactions and verifying authentication tokens, coupled with a transaction receipt portal system for storing and providing receipt data to registered customers and merchants, allowing electronic receipt retrieval through a web link or mobile application.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a paper-less digital receipt system is implemented, then environmental sustainability and modernization are improved, but secure and efficient access to receipt data becomes problematic

Engineering Contradiction:

Improvepaper-less environment capabilityVSAvoidreceipt data access security

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent introduces a receipt portal system as an intermediary between the merchant system and the customer. This portal securely stores receipt data and provides controlled access through authentication mechanisms, resolving the contradiction by enabling paper-less receipts while maintaining secure access through a dedicated intermediary platform

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system creates digital copies of receipt data and stores them in a centralized portal. These digital copies can be retrieved and viewed multiple times without compromising the original transaction data, enabling paper-less operation while ensuring reliable access through authenticated retrieval of copied receipt information

Inventive Principle:

Principle #26Copying

2Productivity

If receipt data is stored centrally in a portal system, then data access efficiency is improved, but system complexity increases

Engineering Contradiction:

Improvereceipt data retrieval efficiencyVSAvoidportal system structure

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The receipt portal system is designed to perform multiple functions: storing receipt data, authenticating users, retrieving receipts, and providing account management capabilities. By consolidating these functions into a single universal platform, the system improves retrieval efficiency while managing complexity through functional integration rather than proliferation of separate systems

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Reliability

If authentication verification is required for receipt access, then security is improved, but access time increases

Engineering Contradiction:

Improvereceipt access securityVSAvoidauthentication processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs authentication in advance by requiring users to register and verify their identity before accessing the receipt portal. Once authenticated, users gain immediate access to their receipts without repeated authentication delays. This preliminary action resolves the contradiction by establishing security upfront while enabling rapid subsequent access

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS8985445B2Payment transaction receipt system and method

Publication Date: 2015.03.24 BARCLAYS EXECUTION SERVICES LTD

AI summary

A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system.