System and method for providing automated receipt and bill collection, aggregation, and processing

Abstract

A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user.

1 - 20 . (canceled) 
     
     
         21 . A system comprising:
 one or more processors running an application programming interface (API);   memory storing current transaction data, customer information, and one or more instructions, the customer information including log-in information for a customer email account and the one or more instructions causing the one or more processors to:
 receive a photographed transaction document comprising a photograph of a printed receipt or a printed bill; 
 log-in to the customer email account periodically and automatically, without involvement of the customer, using the log-in information; 
 scan message data electronically, the message data corresponding to a first set of one or more emails in the customer email account, to identify a second set of one or more emails that include one or more electronic transaction documents; 
 determine whether the photographed transaction document and each of the one or more electronic transaction documents is an electronic receipt or an electronic bill by:
 extracting transaction data in the photographed transaction document or the electronic transaction document by:
 electronically scanning the photographed transaction document or the electronic transaction document of a corresponding email of the second set of one or more emails; and 
 performing a contextual analysis of the corresponding email of the second set of one or more emails; and 
 
 
   when the photographed transaction document or the electronic transaction document comprises an electronic receipt:
 associating the extracted transaction data with the current transaction data; and 
 determining that the extracted transaction data is associated with a fraudulent transaction by determining that an error exists between the current transaction data and the extracted transaction data; 
   or,   when the photographed transaction document or the electronic transaction document comprises an electronic bill:
 executing one or more bill actions, the one or more bill actions comprising (i) transmitting an alert to a user device associated with the user, the alert indicating that the electronic bill should be paid, and (ii) automatically scheduling payment of the electronic bill. 
   
     
     
         22 . The system of  claim 21 , wherein the API provides access to a web scraper; and
 wherein the web scraper retrieves the transaction data from the one or more electronic transaction documents included in the second set of one or more emails.   
     
     
         23 . The system of  claim 21 , wherein the API provides access to the customer email account using the log-in information. 
     
     
         24 . The system of  claim 21 , wherein the log-in information includes a username and password. 
     
     
         25 . The system of  claim 21 , wherein the extracted transaction data includes one or more extracted transaction amounts; and
 wherein the current transaction data includes one or more purchase amounts.   
     
     
         26 . The system of  claim 25 , wherein the instructions further cause the one or more processors to:
 compare the one or more extracted transaction amounts with the one or more purchase amounts; and   identify, based at least in part on the comparison, a particular purchase transaction corresponding to the one or more electronic transaction documents.   
     
     
         27 . The system of  claim 21 , wherein the instructions further cause the one or more processors to generate an output comprising:
 (i) a financial planning tool associated with the extracted transaction data and the current transaction data;   (ii) an offer based on the extracted transaction data and the current transaction data; and   (iii) a purchase history associated with one or more merchants corresponding to one or more merchants identified from the extracted transaction data.   
     
     
         28 . The system of  claim 27 , wherein the offer comprises an advertisement for a product that is related to a previously purchased product. 
     
     
         29 . The system of  claim 27 , wherein the financial planning tool comprises spending projections. 
     
     
         30 . The system of  claim 27 , wherein the offer comprises a coupon based on historical purchase patterns. 
     
     
         31 . A method comprising:
 connecting, by one or more processors, a memory, a financial institute system, and an email system, the one or more processors associated with an application programming interface (API), the API to provide access to an email browsing simulation on the email system;
 storing, in the memory, current transaction data and customer information, the customer information including log-in information for a customer email account; 
 receiving, at the one or more processors, a photographed transaction document, the photographed transaction document comprising a photograph of a printed receipt or a printed bill; 
 logging-in into the customer email account of the email system, periodically and automatically, without involvement of the customer, using the log-in information; 
 scanning electronically, by the one or more processors, message data corresponding to a first set of one or more emails in the customer email account, to identify a second set of one or more emails that include one or more electronic transaction documents; 
 determining, by the one or more processors, whether the photographed transaction document and each of the one or more electronic transaction documents is an electronic receipt or an electronic bill by:
 extracting, by the one or more processors, transaction data in the photographed transaction document or the electronic transaction document by:
 scanning electronically, by the one or more processors, the photographed transaction document or the electronic transaction document of a corresponding email of the second set of one or more emails; and 
 performing, by the one or more processors, a contextual analysis of the corresponding email of the second set of one or more emails; and 
 
 
   when the photographed transaction document or the electronic transaction document comprises an electronic receipt:
 associating, by the one or more processors, the extracted transaction data with the current transaction data; and 
 determining, by the one or more processors, that the extracted transaction data is associated with a fraudulent transaction by determining that an error exists between the current transaction data and the extracted transaction data; 
   or,   when the photographed transaction document or the electronic transaction document comprises an electronic bill:
 executing one or more bill actions, by the one or more processors, the one or more bill actions comprising (i) transmitting an alert to a user device associated with the user, the alert indicating that the electronic bill should be paid, and (ii) automatically scheduling payment of the electronic bill. 
   
     
     
         32 . The method of  claim 31 , wherein the API provides access to a web scraper that retrieves the transaction data from the one or more electronic transaction documents included in the second set of one or more emails. 
     
     
         33 . The method of  claim 31 , wherein the log-in information includes a username and password. 
     
     
         34 . The method of  claim 31 , wherein the extracted transaction data includes one or more extracted transaction amounts; and
 wherein the current transaction data includes one or more purchase amounts.   
     
     
         35 . The method of  claim 34 , further comprising:
 comparing the one or more extracted transaction amounts with the one or more purchase amounts; and   identifying, based on the comparison, a particular purchase transaction corresponding to the one or more electronic transaction documents.   
     
     
         36 . The method of  claim 31 , further comprising generating an output comprising:
 (i) a financial planning tool associated with the extracted transaction data and the current transaction data;   (ii) an offer based on the extracted transaction data and the current transaction data; and   (iii) a purchase history associated with one or more merchants corresponding to one or more merchants identified from the extracted transaction data.   
     
     
         37 . The method of  claim 36 , wherein the financial planning tool comprises a table of frequently purchased items. 
     
     
         38 . The method of  claim 36 , wherein the financial planning tool comprises spending projections. 
     
     
         39 . The method of  claim 36 , wherein the offer comprises an advertisement for a related product to one already purchased. 
     
     
         40 . The method of  claim 36 , wherein the offer comprises a coupon based on historical purchase patterns.