Patent Publication Number: US-2021174314-A1

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

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of U.S. application Ser. No. 15/806,154, as filed on Nov. 7, 2017, and will issue on Feb. 23, 2021 as U.S. Pat. No. 10,929,821, which was a continuation-in-part application of U.S. National Stage application Ser. No. 15/571,774, as filed on Nov. 3, 2017, which claimed priority to U.S. Provisional Application No. 62/418,621, filed on Nov. 7, 2016, and to PCT/US16/31314, filed on May 6, 2016, that claimed the benefit of U.S. Provisional Application No. 62/157,711, filed on May 6, 2015. 
     The disclosures of each of these priority applications are incorporated herein by reference. 
    
    
     FIELD 
     The present disclosure relates to the purchasing of goods and services through various venues; i.e., points of sale (POS); and more specifically to a system and a method of issuing receipts for any purchased product or service at a POS through a variety of mechanisms that enable subsequent, post-sale accessing of the receipt by the purchaser, POS entity, credit card service, etc., for verification of a purchase, return of a product, and business or financial tracking purposes. 
     BACKGROUND OF THE DISCLOSURE 
     Currently, purchasing goods or services involves selecting items of interest and then paying for them using one of a variety of methods including cash, credit cards, debit cards, electronic wallets (E-wallets), under-skin chip technologies, Apple pay, Samsung pay, Bitcoin, as well as others. Depending upon how items are purchased, payments are made in diverse ways including, but not limited to, online payments, physical payment to a cashier, physical payment with cashier-less checkout machines etc. Some newer methods of payment include pre-sale options that a customer may opt to use so long as they have the appropriate prerequisites and resources to successfully complete a payment transaction. Heretofore, when items are purchased, the customer receives a paper receipt or a digital receipt usually incorporated in the body of an email. 
     A receipt is the only authentic proof a purchaser has for the value of the amount they spend on a purchase. Paper receipts have been in use since long before the advent of computers and computer systems. Before then they were the norm and were the only post-sale evidence providing a proof of purchase to those buying/renting/leasing products and services. With the now prevalent use of computers and the wide diversity in point-of-sale or POS systems used, together with the wide diversity of payment methods noted above, it is difficult to have a common digital receipt alternative to paper receipts, even with the tremendous inefficiencies paper receipts have. 
     A major problem with the current process is the manual labor required in managing receipts whether for personal purposes, corporate expenses, or household budgeting. Therefore, an assumption behind the concept of this disclosure is that most people are tired of handling paper receipts and the excessive effort needed to be spent on scanning them into some type of digital format and then compiling and sorting them. This does not include the additional effort in retrieving them when an item has to be returned or exchanged, when tax filings have to be prepared, as well as for budgeting and determining spending patterns. 
     Now, new POS systems are beginning to move away from paper receipts by implementing techniques such as emailing receipts (electronic or E-receipts) as noted above, or even sending them within short message service (SMS) messages. A problem with these newer approaches is they require people to enter their email or phone credentials upon every sale, which is cumbersome and not very appealing to the average purchaser. Also, cashiers now have to verbally ask a consumer if they actually need a paper receipt. This is done in an effort for the store to save on paper and ink for purchasers who do not care for a paper receipt with their purchase. Also, many consumers are indifferent to obtaining a paper receipt since most people tend to lose these pieces of papers or throw them away anyway. 
     Further regarding email receipts, they mostly arrive with numerous other emails and so have to be manually searched, and when found, classified. 
     As shown in  FIG. 1 , a current prior art seller and buyer transaction processing system  100  is shown having multiple seller systems  102 A (SA),  102 B (SB), and  102 N (SN) (three shown by way of example only) with each having a single buyer B shown as Bx, By, and Bz (as well as indicated by  106 - 1 ,  106 - 2  and  106 - 3 ) at each respective seller system locations  102 A,  102 B, and  102 N. The sellers  101  can be a physical seller or an e-commerce seller. As shown, buyer Bx  106 - 1  is purchasing purchased products (PP)  112 X shown as purchased products PPX 1 , PPX 2  and PPXN by way of example. The Buyer Bx submits transaction payment TP 1   114 A to the seller purchase user interface (UI)  104 A, which can be a person at a check out counter or an on-line web-site, via a purchase transaction  105 A. The seller UI is coupled to Seller A&#39;s system (SA)  102 A purchase processing system (PPSA)  108 A such as a point of sale (POS) terminal. The POS system  108 A can accept cash, or any other means of payment and in some cases transmits a financial transaction request  118  to a seller financial transaction processing system FS 1   110 A. The financial transaction processing system  110 A can validate the financial payment part of the transaction such as if by credit card, debit card, e-wallet, PayPal™, bitcoin, or any other suitable means for transaction payment as currently known or as may be developed from time to time. The purchase processing system PPSA  108 A provides the seller UI  104 A with an acceptance of the transaction payment  114 A. At that point, the user interface  104 A either directly, or through use of a cash register or payment device of the seller UI  104 A, either prints out a paper transaction receipt TR 1   116  that is then provided to the buyer  106 - 1 . This can also include prompting the buyer  106  or providing the buyer  106  with a PDF or scanned copy as the transaction receipt  116 A. 
     This process is repeated at each brick and mortar seller location, for each location of each seller and for each and every buyer at each seller. 
     As shown, buyer By  106 - 2  is purchasing purchased products (PP)  112 Y shown as purchased products PPY 1 , PPY 2  and PPYN by way of example. The Buyer By submits transaction payment TP 2   114 B to the seller purchase user interface (UI)  104 B, which will be a different person or checkout counter or on-line web-site via a purchase transaction  105 B. The seller UI is coupled to Seller B (SB)  102 B purchase processing system (PPSB)  108 B such as a point of sale (POS) terminal. The POS system  108 B can accept cash, or any other means of payment and in some cases transmits a financial transaction request  118  to a remote financial system FS 2   110 B. The financial system  110 B validates the transaction by any suitable means which is often different but could be the same as addressed. The purchase processing system PPSB  108 B provides the seller purchase UI  104 B with an acceptance of the transaction payment  114 B. At that point, the seller user interface  104 B either directly, or through use of a cash register or payment device of the seller purchase UI  104 B, either prints out a paper transaction receipt or emailed PDF receipt TR 2   116 . And similarly, buyer Bz  106 -N is purchasing purchased products (PP)  112 Z shown as purchased products PPZ 1 , PPZ 2  and PPZN by way of example. The Buyer Bz  106 -N submits transaction payment TP 3   114 N to the seller purchase user interface (UI)  104 N via a purchase transaction  105 N. The seller UI is coupled to Seller N (SN)  102 N purchase processing system (PPSN)  108 N such as a point of sale (POS) terminal. The POS system  108 N accepts any form of payment and transmits as may be required by a financial transaction request  118  to a remote financial system FS 3   110 N. The financial system  110 N can validate the transaction using any other suitable means for transaction payment  114 . The purchase processing system PPSN  108 N provides the seller purchase user UI  104 N with an acceptance of the transaction payment  114 N. At that point, the seller purchase user interface  104 N either directly or through use of a cash register or payment device of the seller purchase user UI  104 N, either prints out a paper transaction receipt TR 3   116  that is then provided to the buyer  106 - 3 . This can also include prompting the buyer  106  or providing the buyer  106  with an PDF or scanned copy as the transaction receipt  116 N 
     As addressed herein, each and every seller  101  has a seller system  102 A,  102 B, and  102 N that can include or be composed of a different and standalone and non-compatible seller purchase processing system  108 A,  108 B, and  108 N and each provides a different transaction receipt TR 1   116 A, TR 1   116 B, and TRN  116 N. None of the purchase processing systems  108  ( 108 A,  108 B, and  108 N) are common and they do not share information. All of the transaction receipts  116  ( 116 A,  116 B and  116 N) are different, have different information, and are either paper or emailed PDF copies that each Buyer  106 - 1 ,  106 - 2  and  106 -N must separately administer and manage. In some instances each Buyer  106 - 1 ,  106 - 2  and  106 -N at each seller system  102 A,  102 B, and  102 N is the same person, but they receive separate and completely different transactions receipts  116 A,  116 B and  116 N from each of the sellers  102 A,  102 B and  102 N. 
     Summarizing the above, and as shown in  FIG. 1 , there are now two main barriers to the emergence of a truly digital receipt solution for verifying or recording consumer purchases. One is the diversity of POS systems, and the other is diversity of payment methods. The present disclosure addresses both issues. Importantly, as technology evolves, and in particular now that Software as a Service (SaaS) and Cloud technologies are becoming more prevalent, it is no longer necessary to issue paper or even email receipts, even though they will continue to be used. Nonetheless, because issues such as a purchaser&#39;s verification of what they bought, product returns, and individual as well as supplier and credit issuers business and financial tracking requirements need to be addressed, there is a need to conveniently track, store, and access any issued receipts. 
     SUMMARY OF THE DISCLOSURE 
     The present disclosure is directed to a system and method for generating, securely storing, retrieving, and processing sales receipts for the purchase of goods and services using any convenient method of payment. All buyer purchases are linked to their receipt account or account. The method includes the generation of both physical and electronic receipts with any receipt being readily identifiable by a purchaser, seller, credit card issuer, employer, financial institution, or other party or entity having a need to access the receipt and information included on it. 
     The digital receipts system and method referred sometimes herein as G-receipts™, is a new, novel consumer-centric classified and centralized solution to Paper/Email/SMS Receipts regardless of stores, purchases, methods of payment and POS systems. As described here, a digital receipt is an authentic receipt showing proof of the value spent by a purchaser, in contrast to simply being a scanned image or a PDF. As described herein, the system is ubiquitous as to the type of payment used or the selling entity, and as such provides the consumer a complete receipt authenticated record of all receipts for all purchases. The system enables a consumer to find any receipt in a single click and use an application itself for any receipt related operations like exchanges, returns, tips, etc. Further, as provided herein, the system and service provided for corporate level, household or group aggregation and analytics by provided parent/child automated receipt management and administration. With consumers and sellers such as retailers with common receipt management system, that can be implemented such as software as a service (SaaS), the system and method provides for complete privacy for the consumer as to each transaction and transaction content. As described in various embodiments, this new system based service functionality provides both consumers and sellers with this new capability without requiring substantial manual effort by either to use or operate as it can be integrated with existing practices and systems (seller hardware and software), but that adds never before provided functionality thereto. 
     As described herein, various aspects of the system and method includes not only a ubiquitous vendor and payment independent receipt service for all purchases, but enables a user or consumer to later find the receipt, void a receipt, sign a receipt, add a tip or link a product or service warranty to the receipt. 
     In some aspects, a the system and method are for use with, or associated with, a seller&#39;s purchase payment 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 system and method include a seller digital transaction system communicatively coupled to the seller&#39;s purchase payment processing system and independent of a payment means or payment account number thereof and an output interface. The seller digital transaction system is configured for storing a seller&#39;s digital receipts identifier uniquely identifying the seller from among a plurality of non-related and non-associated sellers. It is further configured for receiving a buyer&#39;s digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system, and is independent of any form of payment and payment account number used by the buyer to pay the seller for the purchase, and receiving purchase transaction data from the seller&#39;s purchase payment processing system which includes transaction receipt data including data related to the purchased item or items, a price, and the payment amount, but which does not include personalized data providing an identity of the buyer. The system and method are also configured for 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&#39;s digital receipt identifier, the buyer&#39;s digital receipt identifier, and the transaction receipt data; and, then transmitting the digital transaction receipt over the output interface to a communicatively coupled digital receipt transaction processing system. 
     Further aspects of the present disclosure will be in part apparent and in part pointed out below. It should be understood that various aspects of the disclosure may be implemented individually or in combination with one another. It should also be understood that the detailed description and drawings, while indicating certain exemplary embodiments, are intended for purposes of illustration only and should not be construed as limiting the scope of the disclosure. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is a block diagram illustrating a prior art purchase and payment method wherein three different sellers utilize three different seller-specific purchase processing systems each with a different paper or emailed receipt to the buyers of their purchased goods and services. 
         FIG. 2  is a block diagram of an exemplary embodiment of a new an novel system as described herein that provides an electronic digitized transaction receipt for a transactional purchase made with non-associated sellers independent seller-specific purchase processing systems that are independent of any form of payment used by the buyer to pay the seller for the purchase. 
         FIG. 3  is a block diagram of an exemplary embodiment of a new and novel system as described herein that provides an electronic digitized transaction receipt for a transactional purchase made from two or more non-associated sellers independent of any seller-specific purchase processing systems and independent of any form of payment used by the buyer to pay the seller for the purchase. 
         FIG. 4  is a block diagram a system providing purchase analytics from a plurality of transactional purchases made each made from two or more non-associated sellers using seller-specific different purchase processing systems and independent of any form of payment used by the buyer to pay the seller for the purchase, according to one exemplary embodiment. 
         FIG. 5A  is a block diagram of an exemplary embodiment of an electronic digitized transaction receipt system with some of its internal components and functional system according to another exemplary embodiment. 
         FIG. 5B  is a block diagram of another exemplary embodiment of an electronic digitized transaction receipt system illustrating internal components and function between systems wherein the seller is an e-seller in a according to another exemplary embodiment. 
         FIG. 6A  is a block diagram of another exemplary embodiment of an electronic digitized transaction receipt system according to another exemplary embodiment. 
         FIG. 6B  is a block diagram of another exemplary embodiment of an electronic digitized transaction receipt system according to another exemplary embodiment. 
         FIG. 6C  is a block diagram of another exemplary embodiment of an electronic digitized transaction receipt system according to another exemplary embodiment. 
         FIG. 7  is a diagram of an exemplary embodiment of an electronic digitized transaction receipt system with digital receipt integrity and authenticity processes between the buyer and seller copies of the same digital receipts according to one exemplary embodiment. 
         FIG. 8  is a diagram illustrating the functional interfaces and new capabilities and value added features enabled by the described digital receipts system according to one embodiment. 
         FIG. 9  is an illustration of a digital receipts mobile phone application graphic user interface showing digital receipt review and buyer analytics according to one exemplary embodiment. 
         FIG. 10  is a block diagram of an exemplary embodiment of an electronic digitized transaction G-receipt system using a SaaS service in support thereof according to another exemplary embodiment. 
         FIG. 11  is a time diagram of one exemplary embodiment of an electronic digitized transaction receipt system illustrating a consumer ID manual entry process according to one exemplary embodiment. 
         FIG. 12  is a diagram and process flow of an exemplary embodiment of an electronic digitized transaction receipt system with digital G-receipt illustrating the G-receipt generation process according to one exemplary embodiment. 
         FIG. 13  is a flow chart of a layered taxonomy process for adding in a new layer 2 taxonomy for a G-receipt illustrating one exemplary embodiment thereof. 
     
    
    
     Corresponding reference characters represent corresponding parts throughout the drawings. 
     DESCRIPTION OF THE DISCLOSURE 
     Acronyms and Other Terms Commonly Used Herein and in the Claims 
     For convenience, throughout this Description, the following acronyms are other commonly used terms shall have the following meanings: 
     a) “buyer”  106  shall include a buyer, purchaser, or customer of a product(s) or service(s); 
     b) “seller”  101  shall include an individual, retail store, or wholesaler of a product(s) or service(s) including both physical location, internet websites, etc. 
     c) “G-Receipt” or digital transaction receipt  116  shall mean a receipt for the purchase or goods or services generated in accordance with the system and method of the disclosure; 
     d) “POS”  108  shall mean any point of sale whether a physical location, internet website, or other; 
     e) “SDTS”  102  shall mean a seller&#39;s digital transaction system; 
     f) “TDRN” shall mean transaction digital receipt number; 
     g) “DTR”  220  shall mean digital transaction receipt; 
     h) “SDR” ‘ 220  shall mean seller&#39;s digital receipt and “BDR” shall mean buyer&#39;s digital receipt; 
     i) “DRTPS”  206  shall mean digital receipts transaction processing system; 
     j) “BRM”  234  shall mean buyer receipt message; 
     k) “STR”  220  shall mean seller&#39;s transaction receipt; 
     l) “SPPPS” shall mean seller&#39;s purchase payment processing system; 
     m) “TDRN” shall mean transaction digital receipt number; 
     n) “DTPS”  206  shall mean digital transaction processing system; 
     o) “GRTR” or digital transaction receipt  220  shall mean G-receipts digital receipts. 
     In accordance with the disclosure, a generated receipt (G-receipt) is a digitally classified, authenticated receipt stored in the cloud or other memory. No personal information of the buyer is stored with the receipt, nor is any billing data. All receipt data is stored on separate clouds or memories belonging to the buyer and to the seller. Creation of a G-receipt eliminates the need for generating a paper receipt unless a buyer specifically requests one. 
     Each G-receipt is bar coded or includes other indicia by which the receipt is uniquely identified and retrieved by the buyer, the seller, and third parties such as credit card issuers, product manufacturers, etc. 
     The present system and method provides new features and functions are not currently implemented or enabled by the disparate range of different seller systems and methods, all of which are unique to their system or to the payment system the digital receipts system DRS as described wherein provides new features and functionality to the to an integrated seller, a POS and purchase payment system, and to the buyer or consumer independent of any specified form of payment so that purchases are paid for in any manner convenient to a buyer. 
     1. In addition, a buyer is provided new features and services that heretofore have not been capable due to the many incompatible vendor dependent systems, that includes: 
     a) near “real time” access to all buyer&#39;s transaction receipts for all sellers, all purchase transactions and all forms of payment; 
     b) e-receipts that are delivered to the buyer in near real time by electronic delivery (e-delivery) including e-mail, text messaging, etc.; 
     c) buyer retrieval access to all stored receipts; 
     d) buyer purchase analytics including, for example, purchase/spending tracking and analysis by location (store or website) and by goods or services; 
     e) purchase data exportation to a new Application Program Interface (API) or an adaptable API including formatting to various financial, accounting, and tax preparation applications and systems; and 
     f) access to loyalty award programs, information (if elected by the buyer) to upcoming sales by a manufacturer or service provider and associated coupons, and automatic notification to a manufacturer of the purchase of a warrantied item to initiate the warranty. 
     2. Newly enabled features provided to a buyer parent entity that is overseeing purchases of multiple child buyers can include: 
     a) “real time” or near real time receipt generation and notification to the buyer parent of receipt generation at the time of purchase or payment of a child buyer; 
     b) ability to confirm a processed receipt so that prior to the closing of a purchase, the buyer parent can confirm the amount of payment for the purchase; 
     c) receipt identification of any associated “tip” paid with the purchase by the child buyer; 
     d) the generated receipt (G-receipt) is an authenticated proof of purchase the same as a paper receipt issued at a POS and not merely a scanned image or PDF, whereby enabling a true copy of all child buyer receipts to the parent buyer; 
     d) tracking and purchase notification and identification of all child buyers of the parent buyer; 
     e) seller analytics for all child buyers and as a group cumulating all or a portion of child buyers for which the parent buyer is responsible; 
     f) verification and validation of purchases such as for use with child buyer (such as employee) expense receipts and receipt verification: 
     f) purchase data exportation to a new API or an adaptable API including formatting to various financial, accounting, and tax preparation applications and systems; and 
     g) ability to allocate administer, and manage purchases, by type and category, for budgetary or other purposes. 
     3. Newly enabled features of the DTS system  200  that are provided for each seller include: 
     a) purchase tracking/spending; i.e., who is buying what, when, and where; 
     b) sales scoring; who, or what store sold what; 
     c) targeted advertising based on transaction buyer analytics; 
     d) inventory management and accounting; expense control and tracking; 
     e) POS push advertising to customers; 
     f) delivery of coupons, loyalty awards, warranty information; 
     g) after sales support including returns and exchanges; 
     h) push notification to customers for particular goods purchased such as for recalls. 
     4. Newly enabled features for purchased goods suppliers and manufacturers for which the seller&#39;s are providing to the buyers include: 
     a) customer purchase verification and tracking; 
     b) warranty and return tracking; 
     c) customer purchase statistics and analytics; and 
     d) push coupons and awards. 
     5. Newly enabled features for third parties such as website operators, credit card issuers, and other advertisers include: 
     a) purchase statistics and analytics; 
     b) actual buyer purchase data rather than web-based “clicks”; 
     c) advertising including new, predictive/prescriptive marketing/advertising; and 
     d) push coupons and rewards. 
     By way of an overview, a G-receipts digital receipts system and the service it provides comprises a reliable system-based service platform that “sits above” all current methods of buyer payments and the diverse sellers’ purchasing and POS systems. Now, buyers, retail and on-line sellers, and other third parties can benefit from G-receipt system capabilities that include digital receipts that cannot be lost or changed, reduced paper and ink usage, and cartilage changing. It also enables “real time” analytics of purchasing activities. 
     In one embodiment, a method of providing a payment and seller independent electronic digitized transaction receipt for a transactional purchase made from two or more non-associated sellers and independent of any seller-specific purchase or point-of-sale processing systems, and further independent of any form of payment used by the buyer to pay the seller for the purchase, the method comprising, in a seller digital transaction system communicatively coupled to the seller&#39;s purchase payment processing system and an output interface, performing the steps of storing a seller&#39;s digital receipts identifier uniquely identifying the seller from among a plurality of non-related and non-associated sellers, receiving a buyer&#39;s digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system and receiving purchase transaction data from the seller&#39;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. The process also includes 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&#39;s digital receipt identifier, the buyer&#39;s digital receipt identifier, and the transaction receipt data, and transmitting the digital transaction receipt over the output interface. 
     The method also includes, in a digital receipts transaction processing system having a seller input interface communicatively coupled to an output interface and receiving a transmitted digital transaction receipt, a buyer digital receipt output interface communicatively coupled to a buyer digital receipt memory store dedicated and unique to the buyer and identified by a buyer&#39;s digital receipt identifier, a seller digital receipt output interface communicatively coupled to a seller digital receipt memory store dedicated and unique to the seller and identified by a seller&#39;s digital receipt identifier, and a digital receipts system memory storing the buyer&#39;s digital receipt identifier and a stored buyer e-contact address, the seller&#39;s digital receipts identifier, and computer executable instructions. The method further includes performing the steps of transmitting, in near real time to receipt of the digital transaction receipt, a copy of the received digital transaction receipt to either the buyer&#39;s e-contact address or the seller digital transaction system and receiving, within a transaction window a buyer&#39;s purchase receipt, and a confirmation message from the buyer&#39;s e-contact address or the seller digital transaction system in response to the transmitted digital transaction receipt thereto. The method also includes storing the buyer&#39;s digital receipt identifier, and a buyer e-contact address, and the seller&#39;s digital receipts identifier. Further the method includes, that in response to receiving the confirmation message, performing the steps of transmitting a seller confirmation message to the seller digital transaction system and transmitting a first copy of the digital transaction receipt to the buyer digital receipt memory over the buyer digital receipt output interface. The method also includes transmitting a second copy of the digital transaction receipt to the seller digital receipt memory over the seller digital receipt output interface, and deleting from the digital receipts system memory the received digital transaction receipt. 
     In some embodiment, the digital receipts system performs the steps of storing a multi-layer taxonomy classification system having a plurality of predefined purchase item classification identifiers; and, in the digital receipts transaction processing system, assigning a first level taxonomy classification purchase item identifier to the seller by a type of seller, transmitting to the assigned first level taxonomy seller type identifier to the seller digital transaction processing system, and transmitting to the seller digital transaction processing system at least a portion of the second level predefined purchase item classification identifiers, the portions transmitted to the seller digital transaction processing systems being unique to that seller, and compatible and consistent within the stored second level predefined purchase item classification identifiers of the digital receipts transaction processing system. Performed within the seller digital transaction system are the steps of receiving and storing the transmitted assigned first level taxonomy classification seller type identifier and the portion of the second level predefined purchase item classification identifiers associated therewith, and identifying a second level predefined purchase item classification identifier for each purchased item in each of the received receipt data. Formatting the digital transaction receipt includes the assigned second level predefined purchase item classification identifier for the one or more of the purchased items within the transaction receipt data. 
     In some embodiments, the buyer&#39;s e-contact address is associated with a mobile device of the buyer. Now, the method includes providing a buyer software application for operating on the mobile device of the buyer, wherein the buyer software application hosting a graphical user interface and configuring the mobile device and the mobile device software application for the steps of receiving the transmitted copy of the received digital transaction receipt sent by the digital receipt transaction processing system and visually presenting the received digital transaction receipt in a graphical user interface of the buyer&#39;s mobile device. The steps include receiving an input from the buyer, in response to the visual presentation, indicating the buyer confirms the received digital transaction receipt, and transmitting a buyer&#39;s purchase receipt confirmation message to the digital receipts transaction processing system. In some embodiments, the buyer software application further performs the steps of presenting to the buyer via the buyer&#39;s mobile device graphical user interface access to a plurality of digital transaction receipts associated with the buyer, each of which is related to a different buyer purchase transaction and which digital transaction receipts from two or more non-associated sellers. 
     In some embodiments, the seller digital receipt memory includes an interface accessible by the seller, and the method further includes performing the steps of retrieving and analyzing received digital transaction receipts stored in the seller digital receipt memory. 
     In some embodiments, the seller&#39;s digital transaction system includes a seller mobile device coupled to the seller&#39;s purchase payment processing system and includes an application program operating a buyer user interface receiving the buyer&#39;s digital receipt 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. 
     In some embodiments, there are two or more non-associated sellers communicatively coupled to the seller input interface of the digital receipts transaction processing system, two or more of the coupled non-associated sellers having seller&#39;s purchase payment processing systems that are not compatible with each other, and wherein the digital transaction receipt from the first seller&#39;s purchase payment system has a first digital receipt format, and the digital transaction receipt from the second seller&#39;s purchase payment system has a second and different digital receipt format, and wherein the digital receipts transaction system includes, in the digital receipts system memory, formats for processing the two different digital receipt formats. 
     In some embodiments, the seller purchase payment processing system performs the steps of generating 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 transaction system receiving and includes the same seller purchase transaction data as the seller transaction receipt. The received seller defined purchase transaction data includes at least one buyer receipt message selected from the group of messages consisting of a coupon, a service code, a rebate, a prize, a warranty, a text message, and an advertisement. 
     In another embodiment, a the method provides an electronic digitized transaction receipt for a transactional purchase made from two or more non-associated sellers and independent of any seller-specific purchase or point-of-sale processing systems, and which are further independent of any form of payment used by the buyer to pay the seller for the purchase. The method comprises, in a seller digital transaction system communicatively coupled to the seller&#39;s purchase payment processing system and an output interface, performing the steps of storing a seller&#39;s digital receipts identifier uniquely identifying the seller from among a plurality of non-related and non-associated sellers, and receiving a buyer&#39;s digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system. The method also includes receiving purchase transaction data from the seller&#39;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 and assigning a transaction digital receipt number to the received purchase transaction data that uniquely identifies the seller and the purchase transaction. The method also includes formatting a digital transaction receipt including the assigned transaction digital receipt number, the received seller&#39;s digital receipt identifier, the buyer&#39;s digital receipt identifier, and the transaction receipt data; and, transmitting the digital transaction receipt over the output interface to a digital receipts transaction processing system having a seller input interface for communicatively receiving the transmitted digital transaction receipt. 
     In some embodiments, the seller&#39;s purchase payment processing system is a seller&#39;s point-of-sale (POS) system with the interface between the seller&#39;s POS system and the seller digital transaction system being an application programming interface (API). 
     In some embodiments, the seller&#39;s purchase payment processing system is an e-commerce payment system wherein the interface between the seller&#39;s e-commerce payment system and the seller digital transaction system is an application programming interface (API). The e-commerce payment system hosts a graphical user interface (GUI) on a web or mobile application, and wherein receiving the buyers digital receipt identifier includes at least one of receiving over the hosted GUI, a buyer entered or scanned digital receipt identifier and receiving an e-commerce operator manual input of the buyers digital receipt identifier. 
     In some embodiments, the seller purchase payment processing system generating a seller transaction receipt (STR) specific to the seller and which includes seller or seller purchase payment processing system defined purchase transaction data. The seller digital transaction system is formatted to receive the seller transaction data of the seller transaction receipt as well as additional seller transaction data and formats the additional seller transaction data within the digital transaction receipt. 
     In another embodiment is a method of providing an electronic digitized transaction receipt for a transactional purchase made from two or more non-associated sellers and independent of any seller-specific purchase or point-of-sale processing systems, and further independent of any form of payment used by the buyer to pay the seller for the purchase. The method comprises, in a digital receipts transaction processing system having a seller input interface communicatively coupled to an output interface and receiving a transmitted digital transaction receipt, a buyer digital receipt output interface communicatively coupled to a buyer digital receipt memory store dedicated and unique to the buyer and identified by a buyer&#39;s digital receipt identifier, a seller digital receipt output interface communicatively coupled to a seller digital receipt memory store dedicated and unique to the seller and identified by a seller&#39;s digital receipt identifier, and a digital receipts system memory storing the buyer&#39;s digital receipt identifier and a stored buyer e-contact address, the seller&#39;s digital receipts identifier, and computer executable instructions. The method also includes performing the steps of transmitting, in near real time in response to the receipt of the digital transaction receipt, a copy of the received digital transaction receipt to either the buyer&#39;s e-contact address or the seller digital transaction system and receiving, within a transaction window a buyer&#39;s purchase receipt, confirmation message from the buyer&#39;s e-contact address or the seller digital transaction system in response to the transmitted digital transaction receipt thereto. 
     The method also includes that, in response to receiving the confirmation message, performing the steps of transmitting a seller confirmation message to the seller digital transaction system and transmitting a first copy of the digital transaction receipt to the buyer digital receipt memory over the buyer digital receipt output interface. The method further includes the steps of transmitting a second copy of the digital transaction receipt to the seller digital receipt memory over the seller digital receipt output interface and deleting from the digital receipts system memory the received digital transaction receipt. 
     In some embodiments, in the digital receipts transaction processing system or the seller digital receipts memory, the step is performed of providing a seller taxonomy analytics module and a seller analytics interface, each providing non-buyer identifiable purchase taxonomy based analytics over the seller specific analytics interface. 
     In some embodiments, in the buyer digital receipt memory, the steps are performed of providing a buyer taxonomy analytics module and a buyer analytics interface providing buyer specific identifiable purchase taxonomy-based analytics over the buyer seller specific analytics interface. These embodiments further include having a seller&#39;s digital receipt identifier that uniquely identifies the at least one seller within the digital receipts transaction processing system that is subordinate to a supervisory or parent seller digital receipt identifier, and wherein the analytics interface of the at least one seller&#39;s digital receipts and taxonomy analytics is accessible by the parent seller digital receipt identifier. 
     In some embodiments, the digital receipts transaction processing system further includes providing a buyer receipt message selected from the group of messages consisting of a coupon, a service code, a warranty, a rebate, a prize, a test message and an advertisement as a function of the at least a portion of the assigned taxonomy identifiers associated with the digital transaction receipt. 
     In some embodiments, in the digital receipts transaction processing system the process of includes transmitting the determined buyer receipt message to the seller digital transaction system or the seller&#39;s purchase payment processing system, or to include the determined buyer receipt message within the copies of the digital receipt transaction as transmitted to the buyer digital receipt memory and the seller digital receipt memory. 
     In some embodiments at least one of the digital receipts transaction processing system and the buyer digital receipt memory includes a buyer specific analytics interface and a taxonomy analytics module providing buyer-specific identifiable purchase taxonomy-based analytics over the buyer specific analytics interface. 
     In some embodiments the buyer&#39;s e-contact address is associated with a mobile device of the buyer, and in these embodiments, the method now includes the steps of providing a buyer software application for operating on the mobile device of the buyer, the buyer software performing the hosting of a graphical user interface that includes the buyer specific analytics interface; and presenting, on the mobile device via the mobile device software application and its buyer mobile device graphical user interface access, a plurality of digital transaction receipts associated with the buyer, each of which is related to a different buyer purchase transaction and which digital transaction receipts from two or more non-associated sellers. 
     In some embodiments the buyer digital receipt memory includes an analytics interface providing data access by the buyer for retrieving and analyzing received digital transaction receipts stored in the buyer&#39;s seller digital receipt memory. 
     In some embodiments the buyer&#39;s digital receipt identifier uniquely identifies the buyer within the digital receipts transaction processing system, this being subordinate to a supervisory or parent digital receipt identifier, and wherein in the analytics interface providing the buyers digital receipts and taxonomy analytics also providing access to the buyer analytics by the parent digital receipt identifier. 
     In some embodiments the digital receipts transaction processing system determines a buyer 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. 
     In some embodiments the digital receipts transaction processing system includes, in the digital receipts system memory, storing of a plurality of different and unique buyer&#39;s digital receipt identifiers, and storing buyer e-contact addresses, and establishing and managing a unique buyer digital receipt memory for each of the buyer&#39;s digital receipts identifiers. Now, the digital receipts transaction processing system includes transmitting and storing the copy of the digital transaction receipts in each buyer digital receipts memory associated with the buyer&#39;s digital receipts identifier therefore. 
     In some embodiments, if the seller digital transaction system fails to receive the buyers digital receipt identification, the seller digital transaction system continues performing all of the same recited processes and the formatting of the digital transaction receipt, now not including the buyers digital receipt identifier, and wherein the process within the digital receipts transaction system does not include the steps of transmitting to the buyers e-contact address or of receiving a confirmation message, but rather transmits a copy of the received digital transaction receipt only to the seller digital receipt memory, but this now does not include transmitting a copy to the buyer digital receipt memory as an orphan digital transaction receipt. 
     In some embodiments the digital receipts transaction processing system subsequently performs the steps of receiving a buyers digital receipt identification associated with the assigned transaction digital receipt number; and, in the digital receipts transaction processing system, the steps of updating the copy of the digital transaction receipt stored within the seller digital receipt memory, and transmitting a copy of the updated copy of the digital transaction receipt to the buyer digital receipt memory associated with the received buyers digital receipt identification. 
     In yet another embodiment, a method for providing purchase analytics from a plurality of transactional purchases each made from two or more non-associated sellers using seller-specific different purchase processing systems and independent of any form of payment used by the buyer to pay the seller for the purchase. The method incorporates a first seller digital transaction system at a location of a first seller communicatively coupled to a first seller&#39;s purchase payment processing system and a first system output interface, the first seller digital transaction system processing a first buyer payment transaction associated with a first buyer; and a second seller digital transaction system at a location of a second seller communicatively coupled to a second seller&#39;s purchase payment processing system for processing a first buyer payment transaction and a second system output interface, the second seller digital transaction system for processing a second buyer payment transaction associated with a second buyer. A digital receipts transaction processing system has a seller input interface communicatively coupled to an output interface and configured for receiving first and second digital transaction receipts, a digital receipts system memory each of the seller&#39;s digital receipts identifier. 
     The method includes the steps, in the digital receipts transaction processing system, of storing a multi-layer taxonomy having a two or more layers having a plurality of predefined first level seller type identifiers and a plurality of second level predefined purchase item classification identifiers, and assigning a first level taxonomy classification seller type identifier to each of the first seller and the second seller by a type of seller, which are different and the two assigned taxonomy classification seller type identifiers being different. The method also includes transmitting to each of the assigned first level taxonomy classification seller type identifier to each associated first and second seller digital transaction processing systems, and of transmitting to each first and second seller digital transaction processing system at least a portion of the second level predefined purchase item classification identifiers, the portions transmitted to the first and second seller digital transaction processing systems being different portions but compatible and consistent within the stored second level predefined purchase item classification identifiers of the digital receipts transaction processing system. The method also includes the steps, in the first and second seller digital transaction systems, of receiving and storing the transmitted assigned first level taxonomy classification seller type identifier and the portions of the second level predefined purchase item classification identifiers associated therewith, and storing a seller&#39;s digital receipts identifier uniquely identifying the first seller from the second seller. The method also includes receiving first and second purchase transaction data from the first and second seller&#39;s purchase payment processing systems respectively, this data includes transaction receipt data including data related to the purchased item or items, a price, and payment amount of each of the first and second buyer payment transactions, but does not include personalized data providing an identity of either the first buyer or the second buyer. The method includes the steps, for each first and second purchase transactions, of identifying a second level predefined purchase item classification identifier for each purchased item in each of the first and second received receipt data; and, assigning a transaction digital receipt number to each received first and second purchase transaction data that uniquely identifies each first and second seller and each first and second purchase transaction. 
     The method also includes formatting a digital transaction receipt including the associated assigned transaction digital receipt number, the received seller&#39;s digital receipt identifier, the transaction receipt data, and the assigned second level predefined purchase item classification identifier for one or more of the purchased items within the transaction receipt data, and transmitting the digital transaction receipt over its output interface. The method also includes that in the digital receipts transaction processing system having a taxonomy analytics module providing non-buyer identifiable purchase taxonomy based analytics, and computer executable instructions for performing the steps of receiving first and second purchase transaction data from the first and second seller&#39;s purchase payment processing systems respectively, each which includes transaction receipt data including data related to the purchased item or items, a price, payment amount of each of the first and second buyer payment transactions, the assigned second level predefined purchase item classification identifier for one or more of the purchased items within the transaction receipt data but which does not include personalized data providing an identity of either the first buyer or the second buyer. The method also includes transmitting a copy of the digital transaction receipt with the added taxonomy purchase item identifiers to the associated seller digital receipt memory over the seller digital receipt output interface and deleting from the digital receipts system memory the received digital transaction receipt. 
     In some embodiments each seller digital receipt memory includes a seller&#39;s analytics module and seller&#39;s analytics interface accessible by the seller for retrieving and analyzing received digital transaction receipts stored in the seller&#39;s digital receipt memory. 
     In some embodiments, at least one seller&#39;s digital receipt identifier that uniquely identifies the at least one seller within the digital receipts transaction processing system, but this is subordinate to a supervisory or parent seller digital receipt identifier. The analytics interface of the at least one seller&#39;s digital receipts and taxonomy analytics is accessible by the parent seller digital receipt identifier, wherein at least one buyer&#39;s digital receipt identifier that uniquely identifies the at least one buyer within the digital receipts transaction processing system is subordinate to a supervisory or parent digital receipt identifier, and wherein the analytics interface of the at least one buyer&#39;s digital receipts and taxonomy analytics is accessible by the parent digital receipt identifier. 
     In some embodiments, in the first and second seller digital transaction systems, the steps of the method can include receiving a buyer&#39;s digital receipt identifier that uniquely identifies the first buyer from the second buyer, and wherein the formatting of the digital transaction receipt includes the buyer&#39;s digital receipt identifier. In the digital receipts transaction processing system the method now includes the steps of a buyer digital receipt output interface being communicatively coupled to a buyer digital receipt memory store dedicated and unique to each of the first and second buyers and identified by each of the buyer&#39;s unique digital receipt identifier. This can include, in the digital receipts system memory, storing each of the buyer&#39;s digital receipt identifier with the received digital receipt, identifying for each digital transaction receipt the buyer digital receipt memory store dedicated and unique to each of the first and second buyers, and transmitting a copy of the digital transaction receipt with the added taxonomy purchase item identifiers to the associated buyer digital receipt memory over the buyer digital receipt output interface. Further, deleting the associated digital transaction receipt from the digital receipt system memory follows the transmitting of both copies of the digital transaction receipt. The method steps can also include providing buyer-specific identifiable purchase taxonomy-based analytics to the associated buyers or to an authorized entity of the associated buyer. 
     In some embodiments, the digital receipts transaction processing system determines a buyer receipt message selected from the group of messages consisting of a coupon, a service code, a warranty, a rebate, a prize, a text message and an advertisement. This is done as a function of at least a portion of the assigned taxonomy identifiers associated with the digital transaction receipt. The digital receipts transaction processing system transmits the determined buyer receipt message to the associated seller digital transaction system or the associated seller&#39;s purchase payment processing system, and the transmission may also include the determined buyer receipt message within the copies of the associated digital receipt transaction as transmitted to the associated buyer digital receipt memory and the associated seller digital receipt memory. 
     Referring now to  FIG. 2  the G-receipts system  200  and method functions as a platform that fits on top of the numerous POS systems  108  as well as the diversity of payment methods. The system operates as a bearer service that includes interfaces for integrating with a diversity of POS systems  108  and is designed to assimilate and interoperate within any online and physical retail process. Operation of the G-receipts system layer is to process classified G-receipts digital receipts or GRTRs and ensure their reliability and security, regardless of the diversity of POS devices and method of payments. GRTRs are not digital in the sense they come as part of an Email, or PDF file, or an image. The GRTRs offered by the G-receipts system are digital objects whose elements are digitally classified in ways that allow them to be located, produced, filtered, and analyzed. The digital nature of the G-receipts system and the resulting GRTRs enables buyers to completely get away from using paper receipts, Email receipts, and the like. The authentic nature of GRTRs, along with their positive impacts on sellers, buyers, and third parties goes beyond what a PDF, Email, or an image receipt can achieve. 
     There are costs and efforts involved to implement a G-receipts system, but the benefits of enabling buyer seller transactions receipts STRs and seller receipt actions that are converted into GRTRs take place effortlessly and require relatively negligible pre-requisites and risks. As described hereinafter, the G-receipts system takes advantage of real-time predictive and prescriptive analytics to enable buyers to benefits from understanding their spending habits, and in turn project post-sales pictures to marketing firms and other supply/demand researchers; while, insuring the highest degree of security and confidentiality to buyers. Further, the G-receipts system readily interfaces with third-party systems or service providers for integrated capabilities that to accommodate those who use their services. 
     The G-receipts system  206 , as shown in  FIG. 2 , provides an electronic digitized transaction receipt or G-receipt for a transactional purchase made from two or more non-associated sellers  102  independent of any seller-specific purchase processing system SPPPS and independent of any form of payment used by a buyer  106  to pay the seller for the purchase of purchased products (PP&#39;s)  112 . A seller&#39;s digital transaction system SDTS is communicatively coupled to the seller&#39;s purchase payment processing system and an output interface  204 . The two or more non-associated sellers are each communicatively coupled to a seller input interface  208  of a DRTPS with each of the two or more coupled non-associated sellers having SPPPSs that are not compatible with each other. In this regard, a digital transaction receipt DTR from a first seller&#39;s purchase payment system has a first digital receipt format, and the DTR from the second seller&#39;s purchase payment system has a second and different digital receipt format. The DRTPS includes, in a system memory, formats for processing the two different digital receipt formats. This memory stores a buyer&#39;s digital receipt BDR identifier, a stored buyer e-contact address, and a seller&#39;s digital receipt SDR identifier. 
     As shown in  FIG. 2 , there is a single seller system  102  and a single buyer  106 . Of course, one of ordinary skill will understand that the seller system  102  of the seller  101  will have many buyers  106  with each having a different purchase transaction  105  for which a transaction payment  114  will be made to one or more seller transaction user interfaces  104  of the seller system  102 . As shown, buyer  106  is purchasing purchased goods  112  that are PP 1  and PP 2  but there can be a single good or service  112  or many more than just the two PP 1  and PP 2  as shown. The seller system  102  can, in some embodiments, continue to utilize their current or future purchase payment processing system  108  that can access, as may be required, a local or remote financial system  110 . However, the present digital receipt system  200  includes the SDTS  202  that includes an interface  204  to the DRTPS  206  via its seller digital receipt input interface  208 . The seller digital receipt SDR input interface  208  is configured to interface with a plurality of different non-associated seller system  102  each with a different SPPPSS  108  (such as a different POS). As shown in this embodiment, the SDTS can include a seller mobile device  207 , which can be an existing device such as a scanner or screen, but in some embodiments, as described herein, can be a tablet or similar mobile computing device having software or a software application with a user interface for receiving buyer inputs such as a buyer&#39;s digital receipts BDR system identification that is unique to the buyer  106 . The buyer  106  may also have a buyer mobile device  224  such as a mobile phone, by way of example, that includes a digital receipts mobile application  226 . 
     The DRTPS  206  is typically a computer system or implementation that has an accessible system memory  210 , a processor or processor function (not shown), and a plurality of interfaces as will be described. The digital receipts transaction processing system  206  includes various software and applications as described herein for enabling the systems and functions as described herein. The DTPS  206  has an a SDR output interface  212  communicatively coupled to a SDR memory  214  and a BDR output interface  216  communicatively coupled to a BDR memory  218 . In some embodiments, the DTPS system also includes a taxonomy module  290  that is internal or separate as a separate system or application as described herein and that supports a taxonomy analytics interface  292 . As shown, in some embodiments, the SDR memory  214  and/or the BDR memory  218  are implemented in a cloud  240  or they can be in any other suitable form of memory or storage. Each SDR memory  214  is separate and unique to each seller system  102  and each BDR memory  218  is separate and unique to each buyer  106 . 
     The DTPS system  206  may also includes a buyer device interface  222  that can, in some embodiments, be communicatively coupled via a network  230 , which is any suitable communication network such as the internet or mobile carrier or wireless carrier network or any combination thereof, by way of example, to the buyer mobile or computing device  224  such as through the buyer digital receipts application  226 . 
     In operation, the DRS system  200  as shown in  FIG. 2  provides completely new functionality for completing the purchase transaction  105  as described in more detailed throughout this disclosure. In an exemplary operation as shown in  FIG. 2 , during the purchase transaction  105 , the seller system  102  at the seller user interface  104  receives from the buyer  106  a digital receipt buyer identifier, identification number or ID. As shown in  FIG. 2 , this is obtained, via a seller mobile device  207 , which could be a tablet or could be a scanner or card reader or the like. The seller user interface  104  provides the received buyer digital receipts identifier to the seller digital transactions system  202 . The seller user interface  104  and/or the SDTS  202  has a stored seller&#39;s digital receipts identifier uniquely identifying the seller  101  from among a plurality of non-related and non-associated sellers  101  (not shown). The SDTS  202  receives the buyer&#39;s digital receipt identifier that uniquely identifies the buyer within the digital receipts transaction processing system, and receives the purchase transaction data from the seller&#39;s purchase payment processing system  108 , which includes transaction receipt data for the transaction  105  that includes transaction data related to the purchased products  112  such as the item name or description, a price, and a payment amount. However, the SDTS  202  does not, in some embodiments, include personalized data providing an identity of the buyer  106  as such is not transmitted with the digital transaction receipt, but may reside for other purposes. The SDTS  202  assigns a transaction digital receipt number to the received purchase transaction data that uniquely identifies the seller system  102  (and therefore the seller  101 ) and the purchase transaction  105 . The SDTS  202  formats a digital transaction receipt DTR  220  that includes the assigned transaction digital receipt number, the received seller&#39;s digital receipt identifier, the buyer&#39;s digital receipt identifier, and the transaction receipt data and then transmit the formatted digital transaction receipt over the output interface  204 . 
     The DTPS  206  receives over the seller input interface  208  the transmitted digital transaction receipt DTR  220  and stores in the digital receipts system memory  210  digital transaction receipt DTR  220 . The DTPS  206  transmits, in real time or near real time, the received digital transaction receipt DTR  220  as indicated by request-reply message  232  to either a stored buyer&#39;s e-contact address or to the seller digital transaction system for receiving a buyer confirmation  221  as to the contents of the digital transaction receipt DTR  220 . Typically, with a transaction window related to the purchase transaction  105  in a reasonable and timely manner with the buyer  106  at the seller user interface  104 , the buyer will provide or input a buyers confirmation  221  of the digital transaction receipt DTR  220  and a buyer&#39;s purchase receipt confirmation message  234  is generated either from the buyers device  224  with the application  226  or from the SDTS  202  where the DTR  220  is presented to the buyer  106  via the seller mobile device  207 . In response to receiving the confirmation message  234 , the DTPS  206  transmits a seller confirmation message to the SDTS  202 , transmits a first copy of the DTR  220 B to the BDR memory  218  over the BDR output interface  216 , and transmits a second seller DTR copy  220 S of the digital transaction receipt DTR  220  to the SDR memory  214  over the SDR output interface  212 . Thereafter, the DTPS can, in some embodiments, delete from the digital receipts system memory  210  the DTR  220  associated with the purchase transaction  105 . The seller DTR copy  220 S of the purchase transaction  105  with all of the transaction data is stored in the SDR memory of the seller system  102 . The buyer&#39;s copy  220 B of the purchase transaction  105  with all of the transaction data is stored in the BDR memory of the byer  106 , with each being identical to each other in some embodiments. As shown in  FIG. 2  and in more detail in  FIG. 7 , the seller and buyer copies of the same digital receipt  220  can be compared and authenticated in process  702 . 
     Referring now to  FIG. 3 , a more complex exemplary embodiment of system  200  is shown that provides an expanded and more detailed view of the versatility and benefits of the DRS system  200  as described herein. This example includes multiple sellers  102 A,  102 B and  102 N each having a different and most often non-compatible purchase processing system  108 A,  108 B, and  108 N. Each also has a different buyer  106 X,  106 Y, and  106 Z each buyer purchasing different goods or services  112  as described with regard to  FIG. 2 . 
     The SDTS is configured for a) storing a SDR identifier which uniquely identifies the seller from among a plurality of non-related and non-associated sellers; b) receiving a BDR identifier that uniquely identifies the buyer within the DRTPS, c) receiving purchase transaction data from a SPPPS, this data including transaction receipt data related to a purchased item or items  112 , a price, and, d) the amount of the payment for the purchase. Importantly, the information stored in the SDTS does not include any personalized data that would identify the buyer. In addition to the above, the SDTS e) assigns a transaction digital receipt number TDRN to the received purchase transaction data so to uniquely identify the seller and the purchase transaction, f) formats a digital transaction receipt DTR including the assigned TDRN, the received SDR identifier, the BDR identifier, and the transaction receipt data; and, g) transmits the DTR over the output interface. 
     The DRTPS includes a seller input interface  104  which is communicatively coupled to an output interface and receives a transmitted DTR. A BDR output interface is communicatively coupled to, and stored in, a BDR memory that is dedicated and unique to the buyer and is identified by a BDR identifier. A SDR output interface is communicatively coupled to a SDR memory dedicated and unique to the seller and identified by a SDR identifier. A digital receipts system DRS has a memory which a) stores the BDR identifier, b) stores a buyer e-contact address, and c) stores the SDRs identifier. The DRS includes a memory which stores a multi-layer taxonomy having a plurality of predefined purchase item classification identifiers. 
     The DRTPS, in a digital receipts system memory, stores a plurality of different and unique BDR identifiers including a stored buyer e-contact address, and establishes and manages a unique BDR memory for each of the BDR identifiers. The DRTPS also transmits and stores the copy of the DTRs in each BDR memory associated with the BDR identifier for it. 
     The DRS further includes computer executable instructions for performing the steps of a) transmitting, in near real time to receipt of the DTR, a copy of the received DTR to either the buyer&#39;s e-contact address or the SDTS; b) receiving, within a transaction window, a buyer&#39;s purchase receipt confirmation message from the buyer&#39;s e-contact address or the SDTS, in response to a DTR transmitted to it; and c) in response to receiving the confirmation message performs the steps of: i) transmitting a seller confirmation message to the SDTS, ii) transmitting a first copy of the DTR to the BDR memory over a BDR output interface, and iii) transmitting a second copy of the DTR to a SDR memory over the SDR output interface  104 , and iv) deleting from the digital receipts system memory the received DTR. 
     In a transaction, the DRTPS assigns a first level taxonomy classification purchase item identifier to the seller by type of seller. It also identifies a second and higher level taxonomy classification identifier for each purchased item  112  in the received receipt data from among a number items available for purchase, and adds the assigned and identified taxonomy classification purchase item identifiers to a copy of the DTR prior to transmitting copies of the DTR to the BDR memory and the SDR memory. In addition, the DRTPS includes a taxonomy analytics module for providing a non-buyer identifiable purchase taxonomy-based analytics over a seller specific analytics interface. Further, the DRTPS includes a taxonomy analytics module that provides buyer-specific identifiable purchase taxonomy-based analytics over the buyer&#39;s specific analytics interface. The DRTPS is also configured to determine a buyer receipt message BRM selected from the group of messages consisting of one or more of the following: a coupon, a service code, a warranty, a rebate, a prize, a text message, or an advertisement. These result as a function of at least a portion of the assigned taxonomy identifiers associated with the DTR. 
     Regarding taxonomy, the DRTPS memory stores a multi-layer taxonomy having two or more layers. These each have a plurality of predefined first level seller type identifiers and a plurality of second level predefined purchase item classification identifiers. A DRTPS assigns a first level taxonomy seller type identifier to each seller by the type of seller and this information is transmitted to the respective sellers&#39; digital transaction processing system DTPS. Also transmitted to each seller&#39;s DPTS is at least a portion of the second level predefined purchase item classification identifiers. The portion transmitted to a seller&#39;s DPTS is unique to that seller but is compatible and consistent within the stored second level predefined purchase item classification identifiers of the DRTPS. 
     The seller&#39;s DPTS receives and stores the transmitted assigned first level taxonomy classification seller type identifier and the portion of the second level predefined purchase item classification identifiers associated with it. The DPTS then identifies a second level predefined purchase item classification identifier for each purchased item in each received receipt data. Formatting a DTR includes the assigned second level predefined purchase item classification identifier for the one or more purchased items within the transaction receipt data. 
     The DRTPS or the appropriate SDR memory includes a seller taxonomy analytics module and a seller analytics interface so to provide non-buyer identifiable purchase taxonomy-based analytics over a seller specific analytics interface. In addition, a seller&#39;s analytics module is configured to receive a third level of taxonomy as defined by an associated seller. The SDR identifier uniquely identifies the at least one seller within the DRTPS that is subordinate to a supervisory or parent seller digital receipt identifier. This analytics interface and the taxonomy analytics are accessible by the parent&#39;s SDR identifier. 
     Regarding buyers, a BDR memory includes a buyer taxonomy analytics module and a buyer analytics interface for providing buyer specific identifiable purchase taxonomy-based analytics over a buyer specific analytics interface. 
     The DRTPS will transmit BRMs to the SDTS or the seller&#39;s purchase payment processing system. The DRTPS also includes determined BRMs within copies of a DRT transaction as transmitted to the BDR memory and the SDR memory. The BDR memory includes an analytics interface accessible by the buyer for retrieving and analyzing received DTRs stored in the BDR memory. A BDR identifier uniquely identifies the buyer within the DRTPS. This identifier is subordinate to a supervisory (or parent) digital receipt identifier. The analytics interface to the BDR and taxonomy analytics is accessible by the parent digital receipt identifier. 
       FIG. 13  is an exemplary embodiment of a layered taxonomy process  1300  for adding a new layer 2 taxonomy for categorizing a digital receipts DTR  220  in a DRS  200  or DRTPS  206 . As shown, the process  1300  is initialized at  1302  typically through a website hosted by the DRS  200  or the DRTPS  206 . The process continues by a determination, at process  1306 , as to whether the corresponding taxonomy layer 2 is within the digital receipts system. If such taxonomy layer 2 already exists with a DRS  200  or DRTPS  206 , the process goes to initialize in process  1308  time effort and the process automatically provide layer 1 linkage in process  1310  and then automatically links to layer 2.5 in process  1312 . The process continues with the operation in process  1314  and a layer 3 initialization effort is made in G-Receipt in process step  1316  that can be access by a mechanical turk  1318  or a buyer  106 . If in process  1306  the taxonomy layer 2 does not currently exist within the digital receipts system, the method continues to process  1320  wherein the system requests a new layer 2 taxonomy. If the system approves the requested new layer 2 taxonomy in process  1322 , the system updates the taxonomy layer 2 structure in process  1326  and the method moves to process  1308  and continues as described above. If process  1322  does not approve the requested new layer 2 taxonomy, the requested layer 2 taxonomy is placed into an existing layer 2 taxonomy and the process continues to process  1308  and further processing as described above. 
     With respect to the foregoing discussion, and as shown with respect to  FIG. 4 , in some embodiments, system  200  is be implemented only as a seller-only digital receipts analytics system  400  either as a standalone system or functionally within the architecture as described above with regard to  FIG. 3 . The system  400  shown in  FIG. 4  is not required to have a BDR identifier associated with each DTR  220 . As noted, this can be administered as a subsystem of system  206  through computer coding and logic, or as separate software applications within the DRS  200  for the SDTS  202  and the DTPS  206 . As shown, the systems and functions for each of the sellers  102 A,  102 B and  102 N are as shown in  FIG. 3 ; but now each DTR  220  does not include the BDR identifier or require a confirmation  221  from the buyers  106 . Each SDTS  204 A,  204 B,  204 N transmits the DTR  220 , which is transmitted as a seller DTR  220 S to the associated SDR memory  214 A,  214 B,  214 N, respectively. In the embodiment of  FIG. 4 , the DRS  400  is used primarily by the sellers  102  for their own inventory and purchase management including seller group analytics such as for sellers within a franchise group or the like. In such an embodiment, the seller purchase processing system  108  can access the seller digital receipts DTR  220 S such as through analytics system  252 N. Further a corporate access system  402  can access the seller digital receipts DTR  220 S associated within their parent group for expense tracking, inventory verification, tax and financial management, by way of examples. Similarly, the DRS system  400  can provide a third party interface  275  that allows third parties, such as marketing and advertising company systems  406 , to obtain actual and real SDR analytics data based on taxonomy of the DRS  200  system. Financial and tax systems  278  can also obtain access in some embodiments. 
     In the G-receipts system, a buyer&#39;s e-contact address is associated with a buyer&#39;s mobile device; e.g., a tablet, which has a software application embedded in it configured for operating on the mobile device of the buyer and hosting a graphical user interface GUI. The mobile device and its embedded software a) receives a transmitted copy of the received DTR sent by the DRTPS; b) visually presents the received DTR on the GUI; c) receives an input from the buyer, in response to the visual representation, confirming buyer receipt of the DTR; and, d) transmits a confirmation message to the DRTPS. The GUI also includes a buyer specific analytics interface. The mobile device and its associated software present to the buyer, via the GUI, access to a plurality of DTRs associated with that buyer, each of which is related to a different purchase transaction of the buyer and DTRs from two or more non-associated sellers. 
     The SDTS also includes a seller mobile device; e.g., again a tablet, that is coupled to the seller&#39;s purchase payment processing system. This includes an application program operating a buyer&#39;s user interface and it is configured for receiving a BDR from at least one of an RFID chip, a bar code, a QR code, a scan code, a wireless transmission received from a buyer&#39;s mobile device, or a buyer data entry. 
     The SDR memory, which is a component of the DRTPS, includes an interface accessible by the seller for retrieving and analyzing received DTRs stored in that memory. The SDR memory and the BDR memory, which is also a component of the DRTPS, are both cloud implemented memory system components of the DRTPS. 
     Next, there is included within a SPPPS, an interface between the seller&#39;s POS system and the SDTS. The SDTS, in turn, includes a digital receipts application program running on the SPPPS. 
     The SPPPS is an e-commerce payment system in which an interface between the seller&#39;s e-commerce payment system and the SDTS is an application programming interface or API. This e-commerce payment system includes a hosted GUI implemented on a web or mobile application. A BDR identifier is received over the GUI which includes an on-line prompt message or icon to the buyer for entering or scanning the BDR identifier. Receiving the BDR identifier also includes receiving an e-commerce operator&#39;s manual input of the BDR identifier. 
     The SPPPS generates a STR specific to the seller and includes seller, or SPPPS defined purchase transaction data. The SDTS is configured to receive, and include, the same seller&#39;s purchase transaction data as is on the STR. Also, the received seller defined purchase transaction data includes a BRM 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. Further, the SPPPS is formatted to receive not only the seller transaction data on the STR but also additional seller transaction data, and to format such additional seller transaction data within the DTR. 
     The SDTS provides a message to the SPPPS to complete the purchase transaction only upon receipt of a buyer&#39;s purchase confirmation message. In response to the transmission of a copy of a DTR to either the buyer&#39;s e-contact address or the SDTS, there is received within a buyer&#39;s purchase receipt confirmation message the amount of a gratuity (as, for example, when the purchase is for a meal at a restaurant) as entered or designated by the buyer in response to receipt of a copy of the DTR. The amount of the gratuity is included in a subsequently transmitted DTR. 
     The SPPPS, the SDTS, and the DTR are independent of the form of payment used by the buyer to pay the seller for the purchase. In this regard, the SPPPS, SDTS, and DTR are configured to support forms of payment including cash, PayPal, credit card, debit card, loyalty card, e-wallets, bitcoin, NFC or Bluetooth or other wireless payment platforms and applications. 
     If the SDTS fails to receive a BDR digital receipt identification, the SDTS performs all of the same processes for formatting a DTR, again not including the BDR identifier. Also, not included within the digital receipts transaction system processing is the step of transmitting to the buyers e-contact address or of receiving a confirmation message; but rather transmitting a copy of the received DTR only to the SDR memory and not transmitting the copy to the BDR memory as an orphan DTR. If the digital receipts transaction processing system subsequently receives a BDR identification associated with the assigned transaction digital receipt number, the digital receipts transaction processing system updates the copy of the DTR stored within the SDR memory. An updated copy of the DTR is then transmitted and stored in the BDR memory associated with the received BDR identification. 
     For implementation of the G-receipts system, a special hardware unit; e.g., a tablet with a G-receipts system application or “app”, is installed at sellers selling sell goods and services to buyers. The unit communicates with the POS system through an API and web services. Once communication is established, buyers use the app on their tablet; a barcode, or RFID identity to scan their account credentials so their receipt is transferred into an account associated with the buyer&#39;s validated email. The hardware unit is installed at the seller is programmed to transmit the appropriate information about the seller; e.g., the seller&#39;s location, as well as information regarding the buyer who scanned their identity. This enables each receipt to be stored into a respective account holder&#39;s GRM account as well as inside the GRM seller&#39;s GRMS&#39;s account. These GRM accounts for the buyers (GRMB) and sellers (GRMS) can be one of a plurality of configurations; but in some embodiments, these GRM accounts are cloud based with all pertinent information encrypted so as to ensure data confidentiality and integrity within the cloud. Those skilled in the art will appreciate that other forms and methods of memory management and implementation of the G-receipts system, its applications and stored data are possible. 
     Online payments are done in a similar fashion; although, the hardware unit that is otherwise used with a retail seller&#39;s POS system, is now a program that links to an embedded script at the seller&#39;s E-commerce website. Buyers enter their QR code, RFID identity, or other identification indicia such as alphanumeric and/or symbols into one or more identification fields (e.g., User name and Password) recognized by the website. Or, the buyer logs into a G-receipts account using the E-commerce site&#39;s JavaScript that allows buyers to log into their account. 
     After purchases are made, receipts are sent, in accordance with the above described method, into the buyer&#39;s respective account. Buyers then review a receipt using drop down filters such as Amount, Seller, Location, Date from—Date to, Taxonomy classification of the purchase (i.e. clothing, food, travel, furniture, etc.). This can be done because the retail sellers&#39; hardware unit or the online sellers&#39; software includes key initialized meta-data about the seller. This includes information such as name, location, type of goods, etc.). This meta-data, together with information such as date of purchase date, time, purchase amount, applicable sales tax, any discounts, coupons, etc.) are combined to facilitate the buyer&#39;s searching. 
     As shown, seller system  102 A has PPS  108 A with SDTS  202 A with interface  204 A, seller system  102 B has PPS  108 A with SDTS  202 B with interface  204 B, and seller system  102 N has PPS  108 N with SDTS  202 N with interface  204 N, all of which are communicatively coupled to the seller interface  208  of the DTPS  206 . Seller system  102 A has a SDR memory  214 A, Seller system  102 B has a SDR memory  214 B, and Seller system  102 N has a SDR memory  214 N, each communicatively coupled to seller digital receipt output interface  212  of DTPS  206 . 
     Buyer  106 X is making a purchase transaction  105 A at seller system  102 A using seller interface  104 A and making a transaction payment  114 A. Buyer  106 X has a BDR memory  218 X that is accessed by the DTPS  206  via the BDR output interface  216 . Similarly, Buyer  106 Y is making a purchase transaction  105 B at seller system  102 B using seller interface  104 B and making a transaction payment  114 B. Buyer  106 Y has a BDR memory  218 Y that is accessed by the DTPS  206  via the BDR output interface  216  and Buyer  106 Z is making a purchase transaction  105 N at seller system  102 N using seller interface  104 N and making a transaction payment  114 N. Buyer  106 Z has a BDR memory  218 Z that is accessed by the DTPS  206  via the BDR receipt output interface  216 . 
     During processing of transaction  105 A, the DTR  220  is generated as  220 X and request-reply messages  232  with DTR  220 X is sent to the buyer mobile device  224   x  with digital mobile app  226  active thereon. The buyer  106 X can confirm the contents of the DTR  220 X and the confirmation message  234 X is sent back to the DTPS  206 . A confirmation message is sent to the SDTS  202 A to complete the purchase transaction  105 A and the DTPS  206  sends a buyer copy DTR  220 B to the BDR memory  218 X of the buyer  106 X. The DTPS  206  also sends a seller copy DTR  220 X to the SDR memory  214 A of the seller system  102 A. 
     During processing of transaction  105 B, the buyer  106 Y does not have the mobile digital receipts application  226  but rather has a BDR identifier such as a card or RFID chip. The DTR  220  is generated as DTR  220 Y and request-reply messages  232  with DTR  220 Y is sent back to the SDTS  202 Y. The SDTS  202 Y either directly or via PPS  108 B prompts the seller system  102 B to obtain the buyer&#39;s digital receipts identifier such as by scanning the buyer&#39;s digital receipts card and obtains the buyers confirmation in the same manner. The buyer  106 Y can confirm the contents of the DTR  220 X as presented to the buyer  106 Y by the seller system  102 B and a confirmation message  234 Y is sent back to the DTPS  206 . A confirmation message is sent to the SDTS  202 B to complete the purchase transaction  105 B and the DTPS  206  sends a buyer copy DTR  220 B to the BDR memory  218 Y of the buyer  106 Y. The DTPS  206  also sends a seller copy DTR  220 Y to the SDR memory  214 B of the seller system  102 B. 
     During processing of transaction  105 N, the seller has a seller mobile device  207  for obtaining the BDR identifier. The DTR  220  is generated as DTR  220 Z and request-reply messages  232  with DTR  220 Z is sent back to the SDTS  202 Z so that the SDTS  202 Z can provide the seller mobile device  207  with a prompt to obtain the BDR identifier as an input or by scanning a card or RFID chip or NFC device, by ways of examples. The SDTS  202 Z via the seller mobile device  207  prompts the seller system  102 N to obtain the BDR identifier such as by scanning the BDR card and obtains the buyers confirmation in the same manner. The buyer  106 Z can confirm the contents of the DTR  220 Z as presented to the buyer  106 Z by the seller system  102 N, and a confirmation message  234 Z is sent back to the DTPS  206 . A confirmation message is sent to the SDTS  202 N to complete the purchase transaction  105 N and the DTPS  206  sends a buyer copy DTR  220 B to the BDR memory  218 Z of the buyer  106 Z. The DTPS  206  also sends a seller copy DTR  220 Z to the seller digital receipt memory  214 N of the seller system  102 N. 
       FIG. 3  also illustrates various interfaces and functionalities of both the SDR memories  214  ( 214 A,  214 B,  214 C) and the BDR memories  218  ( 218 X,  218 Y,  218 Z). As shown in this exemplary embodiment, SDR memories  214 A,  214 B,  214 C are implemented in a combined memory system such as seller memory cloud application  270  and the BDR memories  218 X,  218 Y,  218 Z are implemented in a combined memory system such as a buyer memory cloud application  280 . The two can be coupled, synchronized and the copies of the DTRs  220 S and  220 B can be verified and authenticated to ensure that they match via process  702  of DTR verification system process  700 . 
     With regard to SDR memories  214 A,  214 B,  214 C and where implemented the combined seller memory system  270 , a seller&#39;s analytics interface  250 A can provide for seller analytics system  252 A to obtain access and analysis and analytics therefrom. Further, seller analytics system  252 A can be used to add additional layer taxonomy data on a seller specific basis to add further value to this interface and system capability. In some embodiments, the combined memory system  270  can provide a seller analytics interface  272  that can provide a seller having more than one SDR memory  214  associated with it or be responsible for a parent account via a combined seller analytics interface  274 . This can also be implemented with a third party analytics interface  275  that provides third party seller analytics system  276  to search and obtain seller digital receipts analytics that are non-buyer identifiable. 
     With regard to the BDR memories  218 X,  218 Y,  218 Z and the combined buyer memory system  280 , buyer digital receipts DTR  220 B can only be accessed by each associated buyer  106 X,  106 Y, and  106 Z, respectively via buyer analytics interface  250 X,  250 Y, and  250 Z, also respectively. As shown, a buyer analytics access system  262 X can only access BDR memory  218 X and obtain analytics for the DTR  220 B that are stored therein. The buyer analytics access system  262 X can also be used to input into the BDR memory  218 X an additional layer of taxonomy that is specific to buyer  106 X to add value to the analytics. As shown, the buyer  106 X can also access the buyer analytics interface  250 X or the buyer analytics access system  262 X by using their mobile device  224 X via the BDR application  226 X as will be described in  FIG. 9  by way of one exemplary embodiment. Further as shown in  FIG. 3 , the BDR memory system  280  can include a parent interface  282  that has access to more than one associated and preapproved BDR memories. In this example, a parent buyer analytics access system  286  can access the DTRs  220  and analytics for more than one child BDR  218 . This is used in a family situation or in a corporate situation. This can also include inputting common additional taxonomy across multiple BDR memories  218  such as for accounting or taxation or financial management using the buyer parent analytics access system  286 . 
       FIGS. 5A and 5B  are block diagrams of two exemplary embodiment of an electronic digitized transaction receipt system, each showing various components and functional system according to another exemplary embodiment. Shown in  FIG. 5A  are two examples of component implementation  300  of system  200  features from the perspective of two different types of sellers  102 . On the left of  FIG. 5  is a physical seller DRS implementation  302  with buyer  106  and BDR memory  218  with the BDR  220 B stored therein. The seller system  102  has the SDR  220 S stored in the SDR memory  214 . The DTPS  206  includes a memory or cloud account module  308 , one or more application programming interfaces (APIs)  310 , and a processor and memory or hardware implementation  306 . The DTPS  206  includes an interface to the seller-specific PPS (POS) system  108 . While similar, for an e-commerce seller system  304 , the DTPS  206  further includes a virtual POS module  330  as many e-commerce sellers  102  do not have their own PPS  108 . Through use of the various interfaces and analytics of the DTPS  206 , the DTPS  206  in system  304  can enable and offer the e-commerce seller system  102  through use of the system GUI a virtual POS  330  for managing their account, inventory, digital receipts (DTR  220 ), buyer accounts, and similar functions. Further, through the interface to the e-commerce seller system  102  e-commerce seller website  320 , the DTPS  206  can enable the e-commerce seller website  320  with the ability to display and collect BDR identifiers and instructions from buyers  106  to create a DTR  220  in lieu of on-screen, printable, or emailed copies of the prior art receipt  116 . The DTPS  206  can also interface directly or indirectly through the e-commerce seller website  320  to third party or seller databases  322 . 
       FIG. 5B  illustrates a modified embodiment of  FIG. 5A  that reflects the differences between how a physical store seller POS  108  and therefore the seller  101  receives and obtains the DR buyer ID as compared to an e-commerce seller PPS  108  wherein the buyer  106  has an e-commerce purchase transaction  105 . In some embodiments, one of the differences is the mechanism that the seller  101  or the seller POS/PPS  108  obtains the DR buyer ID for processing of the purchase transaction  105  through or with the DRS system  200  or DRTPS  206  for obtaining the DTR  220 . The capabilities of the physical sellers  101  and the e-commerce sellers  101  are similar, although these capabilities may be different especially as related to the DTR  220  cancellation for a buyer  106 .  FIG. 5B  illustrates on the left, the system  100  components and process flows that are required and also not required for a physical seller  105  and their systems  302 . As shown, the POS system  108  does not interface to the system  206  but directly interfaces to the API  310 . The Buyer  106  directly provides the DR Buyer ID to the DTS software application  306 . Whereas on the right, the process components and process flows that are required and not required for an e-commerce seller  105  and their system  304  are illustrated. As shown, the e-commerce website  320  directly interfaces to the DR buyer  106  and does not need database  322 . The e-commerce web-site interfaces directly to the DTS system  206  through an API  310  and the DTS  206  does not provide support by having to provide a virtual POS  108  as is often the case in a physical seller  101  embodiment. 
       FIGS. 6A and 6B  are block diagrams of additional exemplary embodiments of digital receipts system  100  using a digital transaction receipt DRTPS system  206  and its processes and components. As shown in  FIG. 6A , seller system  102 A has its own PPS (POS)  108 A that is coupled to the DTPS  206  system that can include, in some embodiments the SDTS  202 . This includes software, functionality, rules and support for the aforementioned virtual POS  330 . From the buyer  106 , there are various means for interfacing with the DRS  200 , DTPS  206  and/or SDTS  202  as shown on the right. These include the buyer mobile device  224  equipped with the BDR mobile application  226 , a BDR card  305  such as a QR card, an RFID keychain  352 , the sellers digital receipts tablet or mobile device  207  configured with digital receipts software or application or coupled to, or operating a portion of, the SDTS  202  functionality and a buyers website or program  354 . While not shown, this can include other buyer means such as an application with NFC, etc. Each of these can provide the BDR identifier and/or digital receipts confirmation  221 . 
     Referring now to  FIG. 6B , this illustrates an e-commerce implementation of the system  100  of  FIG. 6A  reflecting those implementations and functions that are not required in an e-commerce embodiment. As shown, since the e-commerce purchase transaction  105  is performed from the website  320  that also include the POS/PPS system  108 A, the DRTPS  206  directly interfaces with each from the seller functionality and functionally interfaces between the e-commerce website  320  of the seller system  102   b  and the buyer  106 . The buyer  106  has a buyer interface device  224 , such as a mobile phone  224  having a DR mobile application  226 , a QR card  350 , or a RFID keychain  352 . 
       FIG. 6C  illustrates a message flow diagram of some embodiments of the systems of  FIGS. 6A and 6B . As shown in  FIG. 6 , the buyer  106 , from different times, can make a purchase transaction  105  using a mobile phone application  226  at a physical store  101  wherein the DR Buyer ID is provided to interface  330  via NFC, Bluetooth or QR code by way of examples. The seller POS  108  can include the seller digital transaction system  202  that interfaces to DRTPS  206  or a full DTS  200  for providing the transaction data including the received DR Buyer ID, the Seller ID, and the transaction payment  114 , type of transaction payment  115 , and the identification of the purchased goods and services  112 . In another purchase transaction  105 , the same buyer  101  may make an e-commerce purchase transaction  105  using a browser  228  to access the hosted website  320  of the e-commerce seller  101  having seller digital transaction system  202  for receiving the full transaction data including the DR Buyer ID and that interfaces with DRTPS  206  or with a DTS  200  for providing the transaction data including the received DR Buyer ID, the Seller ID, and the transaction payment  114 , type of transaction payment  115 , and the identification of the purchased goods and services  112 . 
       FIG. 7  is a diagram of an exemplary embodiment of an electronic digitized transaction receipt system with digital receipt integrity and authenticity processes between the buyer and seller copies of the same digital receipts according to one exemplary embodiment. As discussed above, while all seller copies of digital receipts DTR  220 S (shown as  2205 X 1 ,  220 DX2, 22205X3) are stored in each of the seller specific seller digital receipt memory  214 , a copy is also stored in each of the buyer-specific BDR memory  218  for each buyer (shown as  220 BX 1 ,  220 BX 2 ,  220 BX 3 ). The DTPS  206  manages and administers the BDR memory  218  and the SDR memory  214  without access to the memories themselves by initiating an integrity and authentication process  700  using an authentication process  702  directly between the SDR memory  214  and the BDR memory  218  so that each of the stored DTRs  220  are identical; even though, each may have their own additional layered taxonomy added by the seller or the buyer, as discussed above. Process  700  includes a process of sending the seller DTR  220 S and the buyer DTR  220 B, then having the two memory systems  214  and  218  perform a hash key comparison, and then sending an acknowledgment back to the DTPS acknowledging the integrity, authenticity and validity of the two stored DTRs  220 S and  220 B. 
       FIG. 8  is a diagram illustrating the functional interfaces and new capabilities and value added features enabled by the described digital receipts system according to one embodiment. As shown in this illustration, the DTS  200 , and in particular the DRTPS  206  through its described interfaces and functionality can provide significant improvements and value added capabilities that no current system can offer. One or more of these features are enabled such as having a fully digitized copy of the transaction receipt data for each and every DTR  220  that identifies all of the purchased products and services  112 , their price and quantity, and the seller identification and date and time of a purchase, as well as other seller specific data. Further, through use of the DTPS  206  layered taxonomy, all DTRs  220  and the stored DTR  200  data are identified with predefined nomenclature and common, at least for layer one and layer two assignments for the seller and the purchased products (independent of the seller  101 ), the type or affiliation of the sellers  102 , and the type of seller-specific payment processing system PPS  108  used for each DTR  220  or transaction  105 . As such, individually each of the SDR memory  214  stored DTRs  220 S and the data contained therein and the BDR memory  218  stored DTRs  220 B and the data contained therein, have a common data structure that enables new and improved features and services not here before possible, each also being independent of the form of transaction payment  114  used by the many buyers  106  of each seller  101 . 
     As such shown, from the top right of  FIG. 8 , the system  200  can enable buyers  106  with the DTRs  220  that are stored and cannot be lost, that are from all sellers  102  and for all purchase transactions  105 , regardless of the type  115  of transaction payment  114 . As such, each buyer  106  has a new replacement digitized DTR  220  and can obtain valuable automated buyer-specific analytical data as to all of their transaction purchases  105 . A new capability, as described herein is for a marketing or advertising entity  407  to obtain actual transaction sales data for each of the sellers or purchased products, but independent of an identification of the specific buyer thus to protect the buyer&#39;s identity. This is a new service and capability enabled by the seller stored seller DTRs  220 S and the analytics and interfaces as described herein. These marketing and advertising entities  406  do not have to rely on clicks (or click attempts) or third party data; but can, as a service of the DTPS  206 , obtain actual transaction purchase statistics and analytics from the DTRs  220 S and from the layered and common taxonomy applied to all transactions regardless of seller system  102  or payment type  114 . This same applies for corporations  403  that utilize the parent account and access capabilities for each of its employees from the buyer side and for each of its seller stores or agents from the seller side. A further improvement on the seller side is the ability to provide new and improved features to the PPS (POS)  108  systems and capabilities currently used or as will be implemented. By having the DTR  220  data created with the taxonomy applied on a consistent basis, these PPS  108  systems can develop new and improved capabilities for each and every seller  101  that utilizes their PPS  108 . Of course the benefits to the sellers such as airlines, taxis, retail stores, e-commerce and other sellers is evident as they reduce the cost of having to produce paper receipts or generate emails, and are enabled for improved purchased products management, inventory control, and analytics not here before capable. As also noted, one or more of these system users can utilize the DTPS  2016  and its taxonomy module  290  and the taxonomy analytics interfaces  292  and the ability to add higher level or additional taxonomy to the base taxonomy for providing customized accounting, inventor, financial and tax data outputs  279 . Of course, one of skill in the art will understand that  FIG. 8  is only illustrative of some of the many interfaces and users and some of the benefits imparted by the present disclosed DRS  200  system and methods. 
       FIG. 9  is an illustration of a digital receipts mobile phone application  226  and buyer&#39;s GUI  228  showing digital receipt review and buyer analytics according to one exemplary embodiment. As shown are three screen illustrations of the buyer GUI  228  (shown as  228 A,  228 B,  228 C) for the BDR application  226  that is loaded on the buyer mobile device  224 . As shown on the right, the buyer mobile digital receipts GUI can present to the buyer  106  a display  502  that allows for the selection of a seller or store, a transaction purchase amount  504  and a purchase date  506 . As shown is screen display SCA, the DTR  220  can be displayed that contains all of the transaction data  510  within that DTR  220 . Similarly, in GUI  228 B, the buyer  106  is presented with a selection of an account  514 , or the type of purchase  512  typically defined within the digital receipts&#39; taxonomy layers. The GUI  228 B can also include graphical displayed analytics  516  and SCB. As shown in GUI  228 C, a parent buyer account can select a child account  518  in order to search and receive the DTRs  220 B of each child buyer  106  within their authorized parent account. For each selected Child Account A, B and C, buyer specific analytics  516  can be displayed and the SCC. Of course, there are only three exemplary embodiments of a buyer digital receipts mobile application graphic user interface  228 . Additional ones are possible and unlimited. Further, similar interfaces are enabled for each seller  101  and each parent seller  101  and the seller systems  102  in a similar manner. 
     Referring now to  FIG. 10 , process  1000  is a block flow diagram of an exemplary embodiment of an electronic digitized transaction G-receipt system process using a SaaS service. At this process, the consumer identification or ID of the buyer  106  is either obtained manually or by an automated process at the time of the purchase or checking out. Of course, each seller also has a seller identification that is unique to them and is typically automatically obtained from the POS system  108  by way of example. In process  1000 , in seller system  1002 , the buyer makes payment in process  1004  and the system and if the payment is not successful in  1006 , the payment process is sent back to the payment process of  1004 . If a successful payment in  1006 , the receipt data such as the transaction details, the buyer ID and the payment are sent to the point of sale terminal in process  1008  wherein a local receipt  115  is generated by process  1010 , such as is in the prior art. The process  1010  may or may not use the new G-Receipts buyer ID on the local receipt  115 . However, in the process  1000 , this same transfer of receipt data including the buyer ID, the transaction details, the seller ID and the payment information is provided automatically to the digital receipts system process of  1012 . This is typically provided automatically through an API related to the POS  108  of the seller  101  or from the ecommerce site or server for web-based services. The digital receipts system  200  or the DRTPS  206  specifically can be implemented as SaaS receives the consumer ID  1016 , the seller ID  1018  and the receipt data  1020 , and generates the digital transaction receipt  220  for the transaction in process  2022 . 
       FIG. 11  provides one exemplary time diagram  1100  illustrating an electronic digitized transaction receipt system process having manual consumer ID entry at the time of the transaction. Timing diagram  1100  provides an exemplary embodiment wherein the consumer&#39;s payment method is not configured to send an automated consumer ID to the digital transaction receipt system  200  or DRTPS  206 , and as such, the consumer buyer  106  is prompted or otherwise provides the seller&#39;s transaction interface  104  with a manually entered consumer or digital receipts (DR) buyer ID in conjunction with the buyer making their payment, whether by credit card, by scanned QR code or by Phone RFID, NFC or other method of payment. The seller&#39;s transaction interface  104  provides the buyer  106  with a entry window on a graphical user interface or via a prompt for entering the buyer&#39;s DR byer ID. As shown in  FIG. 11 , this process should not delay the transaction as the process should not take more than about 2 seconds in a window of time that is usually between 5 and 20 seconds. The process starts at time T 0    1102  when the buyer  106  is prompted to make a payment for the purchase transaction. At time T 0    1102 , the seller&#39;s transaction interface  104  or another system such as the POS or PPS system  108  prompts the buyer  106  with a signifier  1108  requesting or prompting the buyer  106  to enter the buyer&#39;s DR buyer ID into a validation input system  1104 . The buyer  106  enters by manual or electronic means the buyer&#39;s DR buyer ID before time T 1  (identified as T 1_0 ) and when received the received DR buyer ID is entered at  1110  in process of system  1104  for validation. The validation is performed by validation system  1104  between time T 2  (identified as T 2-1 ) where upon the validation system receives a transaction payment success indicator from the seller&#39;s POS or PPS system  108  that includes details of the transaction such as the receipt data, payment amount and seller ID in process flow  1112 . The DR validation system  1104  then transmits the received transaction data including the DR buyer ID to the DRTPS  206  in process  1114  at time T 2 . The DTR  220  is generated in the next 1 to 10 seconds by time T 3  (shown as T 3-2 ). As another exemplary embodiment, at the time of DR Buyer  106  access to the seller payment interface  104 , a DR receipt objection can be instantiation and initial DR data populated in a DR data packet such as DR metadata, as described below. At this, a timer can start and provide the DR transaction message and wait for the buyer ID and the success of the buyer provided transaction payment. In this process the buyer ID is provided at the time of payment approval and the DTR  220  is authenticated and digitally signed and saved in the DTS  200  or DRTPS  206  at which time the timer expires. If the POS  208  has to wait on the receipt of the buyer ID, the process can be configured to automatically time out after a predetermined period of time. 
       FIG. 11  illustrates one example. The DR interface can be configured to read the DR buyer ID, validate it (to include the DR validation system  1104  therein) and deliver the DR buyer ID to the seller&#39;s POS or PPS system  108 , which in turn provides it to the DRS system  200 . This can be enabled by enhancement or modification directly or as a separate module to legacy or new seller&#39;s POS or PPS systems  108  for providing interface  104  or be a standalone device and system. In e-commerce applications, this can be provided as an additional data entry field on the e-commerce seller&#39;s check out GUI presentation to the buyer  106 . In physical stores, the seller DR interface  104  can either provide for buyer manual input as described above and in  FIG. 11  or can provide for it being automatically entered at the time of payment, such as being associated with the buyer&#39;s payment device or type of transaction payment  115 , such as the credit card or electronic payment means. A DR receipt  220  can be instantiated by that time and the buyer  106  can be prompted to enter the DR buyer ID, or to verify during the purchase payment window, acceptance of the transaction. If a DR receipt is not given at the time of the transaction  105 , the previous DR receipt  220  is marked as an orphan and the seller  101  can manually or the seller&#39;s POS or PPS system  108  can be configured to go back and retrieve the orphaned transaction if the buyer subsequently desires to have the DR receipt  220  generated. 
       FIG. 12  is process flow  1200  of an exemplary embodiment of an electronic digitized transaction receipt method illustrating a G-receipt  220  generation. Process  1200  starts at  1201  and continues where the buyer  2016  selects a purchase item  112  in process  1204 . The method continues is-in the seller process system  1206  by prompting for payment in process  1208  and receiving payment in process  1210 . The transaction receipt data is also provided to the digital receipts system  1214  to verify the buyer ID in process  1216 , as the buyer  106  selected a digital transaction receipt  220  at the time of checkout of the online purchase. The online seller&#39;s store system  1206  processes the payment and purchase in process  1212  as traditionally or normally handled by the seller  101  but also then provided the digital receipts system  1218  the transaction receipt data wherein the digital transaction receipt  220  is generated in process  1220 . 
     In some embodiments, the various DR receipts system  200  provides the following to each of the constituents involved in a purchase payment transaction  105 . For the buyer  106 , these can include auto-classification of each transaction  105 , auto-analysis of multiple purchase transactions  105  of the buyer  106  or groups of buyer  106  such as if a child buyer  106  that is within a parent buyer  106  group. The DTR  220  can be exported by the buyer for saving or allocating or printing, just as paper receipts are done today. All DTR  220  from all transactions can be searched by the buyer such as by type, payment type, or by classification or seller. The buyer  106  can also sign a DTR  220  after the transaction  105  if the buyer did not sign at the time of the transaction  105 . As to the seller  101 , the seller can generate DTR  220  for each transaction at a location or by group, initiate a cancellation or voiding of a DTR  220  or a purchase transaction within a DTR  220 . The seller  101  can search by purchased item  112  or by DR buyer ID. The seller  101  can establish push notifications based on predetermined criteria such as alerts to a seller manager as to particular buyers  105  or purchased products  112 . The seller  101  can aggregate multiple seller locations for inventory and financial management and control. The seller  101  can link or otherwise utilize a DTR  220  to a seller award, customer loyalty program or to a product or seller warranty. The DRS  200  can provide for digital signatures or certificates for transactions  105  and each DTR  220 , provide a new analytics services to buyers  105 , to sellers  101  and to third parties, that includes all or a defined portion of purchased goods and services  112 , sellers  101 , buyers  105  and digital receipts DTR  220 , which can be by geographic area, by demographics, or otherwise. As to the sellers  101  and the third parties, such analytics and services can be provided so that the identification of the buyers is not provided, as in some embodiments, the DRS  200  does not retain or store the identification of the buyer  106  or their purchase payment type  115  or method. In this manner, the DRS  200  can ensure buyer  106  privacy as no buyer data is stored that can be hacked or stolen or used or accessed by a third party. 
     As described herein the communications with the DRS  200  or the DRTPS  206  can include the transmission of a DTR  220  that is a data packet having DR metadata and DR transaction receipt data. The DR metadata can include the seller ID, the DR Buyer ID, an ID for a orphan purchase transaction as well as a unique DR transactions ID. Typically the DR transaction receipt data only includes the typical legacy transaction data such that the buyer and seller can see on a printed or emailed receipt that includes the listing of the purchased goods in the transaction and the payment amount and possible the last four digits of the credit card, or the like, and possibly a seller receipt barcode or the like. These can include a detailed listing of the purchased goods, including the inventor number and name, manufacture code, product code or UPC code. In a DTR  220 , the DR metadata is not available to and cannot be seen by either the seller or the buyer, as they can only see the transaction data. In some embodiments, the DTR  220  data packet can also include a status ID of the DTR  220 , such as being active or void, and can include with the metadata the above described taxonomy. The DRS  200  or the DRTPS  206  can provide a digital certificate such as a AWS Certificate Manager function signed by the DRS  200  or DRTPS  206  and provide certain authorization rights such as seller and buyer account authorizations, logs, and object pointers. 
     As described herein, the buyer  106  can utilize a buyer device  222  such as a mobile phone  224  or tablet or a seller device having a seller interface  104 . In one such embodiment, such a device can be a mobile phone  224  having a mobile DR receipts application  226  with a user interface or GUI  228 . Such a buyer GUI  228  can present to the buyer, initialization of the DR application and service such as including emails and phone numbers, passwords and buyer account customization including preferences, DR receipts searching tools, DR notifications and alerts for the buyer and child buyer and parent buyers, DR seller or manufacturer promotions or rewards, warranty information, buyer analytics and other buyer services. By way of example, the GUI  228  can be configured to enable the buyer to void a DR receipt  220  or to request a warranty or the delivery of a paper receipt or DR receipt report. Each DR receipt  220  can be displayed on the GUI  228  to provide the buyer with the complete content of the transaction receipt as if they had a paper receipt. The DR receipts application can include, in some embodiment, character recognition support to enable not only the display of the original received seller receipt of the transaction, but also to populate the DR receipt content with searchable and identifiable content. A different GUI  228  can be provided a parent buyer that enables the parent buyer to manage two or more child buyer DR receipts and accounts and a child buyer that is limited to that single child buyer. As another option, the GUI  228  can include social network links enabling the user to provide social network postings relative to their new transaction purchase such as “I have just purchased a new car from ACME dealer. I got a great deal.” In other embodiments, the GUI  228  can help the buyer in determining the proper amount of tip to be paid at the time of the transaction and such can be included on the DTR  220 . 
     On the seller side, the DRS  200  or DRTPS  206  can provide the seller  101  with notifications as to a buyer&#39;s pending action, to prompt as to offering store credit or a reward or a warranty. The parent and child relationships can be implemented on the seller side as well such as where a physical store or e-commerce store has multiple locations all being the responsibility of a single entity or person that acts as the parent over each child store or seller. Further, the DRS  200  or DRTPS  206  can provide new functionality to the seller  101  by new DR functions such as voiding, issuing, re-scanning, and searching DTR  220  individually or as a group, and in real time or near real time of a purchase transaction. A function ID can be established for a seller based on their seller ID and can be customized such as by setting functions, parameters for those functions, authorizations, and timers. 
     Computer Environment 
     The systems, platforms, servers, applications, modules, programs, and methods described herein include one or more a digital processing devices. Each digital processing device can include one or more hardware central processing units (CPU) that carry out the functions of the device. The digital processing device includes an operating system configured to perform executable instructions for the operation thereof. In most embodiments, the digital processing device includes one or more memory devices, a display, one or more input devices, and a sound output device. In some embodiments, the digital processing device is connected to one or more data networks such as a mobile network, a wireless network such as a Wi-Fi or Bluetooth network or a wired data network. These data networks can be utilized to access the Internet or an intranet such as for accesses to the World Wide Web or other Internet based services. These can include but are not limited to such data network accessible systems or applications such as a data storage device, a cloud service, an application server, a terminal or exchange server. In some embodiments, the digital processing device is a non-portable device, such as a server or a desktop computer but in many embodiments it can be a portable device, such as a laptop, tablet computer, a mobile telephone device or a digital audio player. 
     As noted, the digital processing device includes an operating system configured to perform executable instructions. The operating system can include software, including programs and data, which manages the device&#39;s hardware and provides services for execution of software applications/modules. Those of skill in the art will recognize that suitable operating systems include, by way of non-limiting examples, Apple OS, Microsoft Windows, Microsoft®, Windows®, Apple.® Mac OS X®, UNIX®, and UNIX-like operating systems such as GNU/Linux®. In some embodiments, the operating system is provided by cloud computing. Those of skill in the art will also recognize that suitable mobile smart phone operating systems include, by way of non-limiting examples, Nokia® Symbian®, OS, Apple® iOS®, Research In Motion® BlackBerry OS®, Google® Android®, Microsoft® Windows Phone®, OS, Microsoft® Windows Mobile®, OS, Linux®, and Palm® WebOS®, 
     As noted, the digital processing device typically includes one or more memory device or storage devices. The memory is store data including operating system, programs, applications, user data, and application data on a temporary or permanent basis. In some embodiments, the memory is volatile and requires power to maintain stored information but can also be non-volatile and retains stored information when the digital processing device is not powered. Further, the memory can be located with the digital processing devices or can be attachable thereto either physically or via a data network connection to a remote memory. 
     The digital processing devices can include a visual display. In some embodiments, the display is a cathode ray tube (CRT) or an optical projector, but is increasingly an flat screen such as a liquid crystal display (LCD), a plasma display, a thin film transistor liquid crystal display (TFT-LCD), a light emitting diode (LED) or an organic light emitting diode. In other embodiments, the display can also be a combination of devices such as those disclosed herein. 
     The digital processing device can also include one or more an input devices or features. In some embodiments, the input device is a keyboard or keypad but these can also include a pointing device such as, by way of non-limiting examples, a mouse, touchpad, light pen, pointing stick, trackball, track pad, joystick, game controller, stylus, touch screen, multi-touch screen, a microphone that captures voice or other sound inputs or an optical image capture device that can capture images or motion or other visual input. In still further embodiments, the input device is a combination of devices such as those disclosed herein. 
     In some embodiments, the digital processing device optionally includes one or more sound output devices. These sound output devices can be a set of speakers, a pair of headphones, earphones, or ear buds. The speakers can be of any technology including a flat panel loudspeaker, a ribbon magnetic loudspeaker, an electro-acoustic transducer or loudspeaker or a bending wave loudspeaker, or a piezoelectric speaker. In still further embodiments, the sound output device is a combination of devices such as those disclosed herein. 
     In accordance with the description provided herein, a suitable digital processing device can include, by way of example, server computers, desktop computers, laptop computers, notebook computers, tablet computers, mobile phones such as smart phones, audio devices, personal digital assistants, netbook computers, smart book computers, subnotebook computers, ultra-mobile PCs, handheld computers, Internet appliances, and video game systems both portable and fixed. 
     The systems, platforms, servers, programs, and methods disclosed herein include a digital processing device that is optionally connected to a computer network. A computer network is a collection of computers and/or devices interconnected by communications channels that facilitate communications among users and allow users to share resources. In view of the disclosure provided herein, the computer network is created by techniques known to those of skill in the art using hardware, firmware, and software known to the art. In some embodiments, the computer network is a private network such as an intranet. In some embodiments, the computer network is the Internet. In further embodiments, the Internet provides access to the World Wide Web and the computer program and/or mobile application is provided to the digital processing device via the Web. In still further embodiments, the Internet provides access to the World Wide Web and the computer program and/or mobile application is provided to the digital processing device via cloud computing. In other embodiments, the computer network comprises data storage devices including, by way of non-limiting examples, CD-ROMs, DVDs, flash memory devices, solid state memory, magnetic disk drives, magnetic tape drives, optical disk drives, cloud computing systems and services, and the like. In further embodiments, the computer program and/or mobile application is provided to the digital processing device via a data storage device. 
     In view of the above, it will be seen that the several objects and advantages of the present disclosure have been achieved and other advantageous results have been obtained.