Abstract: An electronic receipt generator and method to provide an electronic receipt to a user device is described. The electronic receipt generator receives receipt information from a Point of Sale system, applies a filter to remove undesired information, formats the receipt information, injects injectable information, encrypts the receipt, and transmits the encrypted receipt to a user device. The electronic receipt generator may also print a physical receipt copy. The electronic receipt generator transmits the encrypted receipt to a user device using a contactless data transfer technology. A portable data card may be used to transfer a receipt to a remote user. The electronic receipt generator also transmits the encrypted receipt to an application server. The application server compiles injectable information tailored to a user device according to machine instructions. The application server decrypts the encrypted receipt and transmits the electronic receipt to the user device.