Seller transaction management system and method generating a universal digital receipt that is independent of the seller and payment means and non-identifiable buyer

Abstract

A system and method having a seller digital receipt transaction processing system storing a seller's digital receipts identifier uniquely identifying the seller from among a plurality of non-related, non-associated sellers; receiving a buyer's digital receipt identifier uniquely identifying the buyer within the digital receipts transaction processing system independently of the buyer's form of payment and account number; receiving purchase transaction data from a seller's purchase payment processing system which does not include personalized data providing an identity of the buyer; assigning a transaction digital receipt number to received purchase transaction data that uniquely identifies the seller and the purchase transaction; formatting a digital transaction receipt including an assigned transaction digital receipt number, the received seller's digital receipt identifier, the buyer's digital receipt identifier, and the transaction receipt data; and, transmitting the digital transaction receipt over the output interface to a communicatively coupled digital receipt transaction processing system.

What is claimed is: 
     
         1 . A system associated with a seller's purchase payment processing system for providing a seller independent electronic digitized transaction receipt for a transactional purchase independent of the seller-specific purchase processing system and further independent of a form of payment used by the buyer to pay the seller for the purchase, the system comprising:
 a seller digital receipt transaction processing system communicatively coupled to the seller's purchase payment processing system and independent of any payment means or payment account number thereof and, an output interface, the seller digital receipt transaction processing system configured for:
 storing a seller's digital receipts identifier uniquely identifying the seller from among a plurality of non-related and non-associated sellers; 
 receiving a buyer's digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system, and being independent of any form of payment and payment account number used by the buyer to pay the seller for the purchase, 
 receiving purchase transaction data from the seller's purchase payment processing system which includes transaction receipt data including data related to a purchased item or items, a price, and payment amount, but which does not include personalized data providing an identity of the buyer, 
 assigning a transaction digital receipt number to the received purchase transaction data that uniquely identifies the seller and the purchase transaction, 
 formatting a digital transaction receipt including the assigned transaction digital receipt number, the received seller's digital receipt identifier, the buyer's digital receipt identifier, and the transaction receipt data, and 
 transmitting the digital transaction receipt over the output interface to a communicatively coupled digital receipt transaction processing system. 
   
     
     
         2 . The system of  claim 1  wherein the seller's purchase payment processing system is a seller's point-of-sale (POS) system, and wherein the interface between the seller's POS system and the seller digital transaction system is an application programming interface (API). 
     
     
         3 . The system of  claim 1  wherein the seller's digital receipt transaction processing system includes a seller mobile device coupled to the seller's purchase payment processing system and includes an application program operating a buyer user interface configured for receiving the buyer's digital receipt identifier from at least one of an RFID chip, a bar code, a QR code, a scan code, a wireless transmission received from a buyers mobile device, or a buyer data entry. 
     
     
         4 . The system of  claim 1  wherein the seller's purchase payment processing system includes a hosted graphical user interface (GUI) on a web or mobile application and wherein receiving the buyer's digital receipt identifier includes receiving over the hosted GUI, and wherein the hosted GUI includes an on-line prompt message or icon to the buyer that is on-line for entering or scanning of the buyer's digital receipt identifier. 
     
     
         5 . The system of  claim 1  wherein the seller purchase payment processing system is configured to generate a seller transaction receipt (STR) specific to the seller and includes seller or seller purchase payment processing system defined purchase transaction data, the seller digital receipt transaction processing system being configured to receive and include the same seller purchase transaction data as the seller transaction receipt. 
     
     
         6 . The system of  claim 5  wherein the received seller defined purchase transaction data includes a buyer receipt message selected from the group of messages consisting of a coupon, a service code, a rebate, a prize, a text message, a warranty, and an advertisement. 
     
     
         7 . The system of  claim 1  wherein the seller purchase payment processing system is configured to generate a seller transaction receipt (STR) that is specific to the seller and includes seller or seller purchase payment processing system defined purchase transaction data and wherein the seller digital receipt transaction processing system is formatted to receive the seller transaction data of the seller transaction receipt as well as additional seller transaction data, and to format such additional seller transaction data within the digital transaction receipt. 
     
     
         8 . The system of  claim 1  wherein the seller digital receipt transaction processing system is configured to provide a message to the seller purchase payment processing system to complete the purchase transaction only upon receipt of the buyer's purchase confirmation message from the seller's purchase payment processing system. 
     
     
         9 . The system of  claim 1  wherein the seller purchase processing system, the seller digital receipt transaction processing system, and the digital transaction receipt are each configured to support a form of payment that includes cash and one or more forms of electronic payment selected from the group consisting of PayPal, credit card, debit card, loyalty card, e-wallets, bitcoin, NFC or Bluetooth or other wireless payment platforms and applications. 
     
     
         10 . The system of  claim 1  wherein the seller digital receipt transaction processing system is further configured to receive a buyer selected receipt message selected from the group of messages consisting of a coupon, a service code, a rebate, a prize, a text message, and an advertisement as a function of the at least a portion of the digital receipt data of the digital transaction receipt. 
     
     
         11 . The system of  claim 1  wherein if the seller digital receipt transaction processing system fails to receive the buyers digital receipt identification, the seller digital receipt transaction processing system performs all of the same processes, but wherein the formatting of the digital transaction receipt does not include the buyers digital receipt identifier, and in reply to the transmitting of the digital transaction receipt, receives a copy of the digital transaction receipt as an orphan digital transaction receipt. 
     
     
         12 . A method associated with a seller's purchase payment processing system for providing a seller independent electronic digitized transaction receipt for a transactional purchase independent of the seller-specific purchase processing system and independent of any form of payment used by the buyer to pay the seller for the purchase, the method comprising:
 in a seller digital receipt transaction processing system communicatively coupled to the seller's purchase payment processing system and independent of a payment means or payment account number thereof, and an output interface, performing the processes of:
 storing a seller's digital receipts identifier uniquely identifying the seller from among a plurality of non-related and non-associated sellers; 
 receiving a buyer's digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system, and being independent of any form of payment and payment account number used by the buyer to pay the seller for the purchase, 
 receiving purchase transaction data from the seller's purchase payment processing system which includes transaction receipt data including data related to the purchased item or items, a price, and payment amount, but which does not include personalized data providing an identity of the buyer, 
 assigning a transaction digital receipt number to the received purchase transaction data that uniquely identifies the seller and the purchase transaction, 
 formatting a digital transaction receipt including the assigned transaction digital receipt number, the received seller's digital receipt identifier, the buyer's digital receipt identifier, and the transaction receipt data, and 
 transmitting the digital transaction receipt over the output interface to a communicatively coupled digital receipt transaction processing system. 
   
     
     
         13 . The method of  claim 12  wherein the seller's purchase payment processing system is a seller's point-of-sale (POS) system, and wherein the interface between the seller's POS system and the seller digital receipt transaction processing system is an application programming interface (API). 
     
     
         14 . The method of  claim 12  wherein the seller's digital receipt transaction processing system includes a seller mobile device coupled to the seller's purchase payment processing system and includes an application program operating a buyer user interface, the method further comprising receiving the buyer's digital receipt identifier from at least one of an RFID chip, a bar code, a QR code, a scan code, a wireless transmission received from a buyers mobile device, or a buyer data entry. 
     
     
         15 . The method of  claim 12  wherein the seller's purchase payment processing system includes a hosted graphical user interface (GUI) on a web or mobile application, and wherein the receiving of the buyers digital receipt identifier includes receiving over the hosted GUI and the hosted GUI generates an on-line prompt message or icon to the buyer that is on-line for entering or scanning of the buyer's digital receipt identifier. 
     
     
         16 . The method of  claim 12  wherein the seller purchase payment processing system is further performing generating a seller transaction receipt (STR) specific to the seller that includes seller or seller purchase payment processing system defined purchase transaction data, and receiving the same seller purchase transaction data as the seller transaction receipt. 
     
     
         17 . The method of  claim 12  wherein the receiving of the seller defined purchase transaction data includes receiving a buyer receipt message selected from the group of message consisting of a coupon, a service code, a rebate, a prize, a text message, a warranty, and an advertisement. 
     
     
         18 . The method of  claim 12  wherein the seller purchase payment processing system further generating a seller transaction receipt (STR) that is specific to the seller and includes seller or seller purchase payment processing system defined purchase transaction data and receiving not only the seller transaction data of the seller transaction receipt but also additional seller transaction data, and formatting such additional seller transaction data within the digital transaction receipt. 
     
     
         19 . The method of  claim 12  wherein the seller digital receipt transaction processing system generates a message to the seller purchase payment processing system to complete the purchase transaction only upon receipt of the buyer's purchase confirmation message. 
     
     
         20 . The method of  claim 12  wherein the seller digital receipt transaction processing system receives from the seller purchase processing system a payment that is a cash payment from the buyer. 
     
     
         21 . The method of  claim 20  wherein the cash payment is a first form of payment, the seller digital receipts transaction processing system receiving a second form of payment that is selected from the group of non-cash payments consisting of PayPal, credit card, debit card, loyalty card, e-wallets, bitcoin, NFC or Bluetooth or other wireless payment platforms and applications. 
     
     
         22 . The method of  claim 20  wherein the seller digital receipt transaction processing system further receives a buyer selected receipt message selected from the group of messages consisting of a coupon, a service code, a rebate, a prize, a text message, and an advertisement as a function of the at least a portion of the digital receipt data of the digital transaction receipt. 
     
     
         23 . The method of  claim 20  wherein if the seller digital receipt transaction processing system fails to receive the buyers digital receipt identification, the seller digital receipts transaction processing system performs all of the same processes, but wherein the formatting of the digital transaction receipt does not include the buyers digital receipt identifier, and in reply to the transmitting of the digital transaction receipt, receives a copy of the digital transaction receipt as an orphan digital transaction receipt.