Systems and methods of pending transaction augmentation and automatic attachment to settled transactions

Abstract

A method including: receiving an indication of a transaction authorization of a temporary pending transaction of a financial account associated with a user; receiving receipt data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining a first posted transaction that corresponds to the pending transaction, the first transaction not being posted based on the pending transaction; and in response to the determining, storing the data indicative of the receipt in correspondence with the first posted transaction.

What is claimed is: 
     
         1 . A method comprising:
 receiving an indication of a transaction authorization of a temporary pending transaction of a financial account associated with a user;   receiving receipt data corresponding to a receipt related the pending transaction;   storing data indicative of the receipt in correspondence with the pending transaction;   determining a first posted transaction that corresponds to the pending transaction, the first transaction not being posted based on the pending transaction; and   in response to the determining, storing the data indicative of the receipt in correspondence with the first posted transaction.   
     
     
         2 . The method of  claim 1  further comprising:
 receiving, with the receipt data, transaction classification information; 
 storing the transaction classification information in correspondence with the pending transaction; and 
 storing the transaction classification information in correspondence with the first posted transaction. 
 
     
     
         3 . The method of  claim 1 , wherein
 the receipt data comprises receipt image data,   the method further comprises:
 analyzing the receipt image data using optical character recognition; and 
 extracting receipt information from the analyzed receipt image data as the data indicative of the receipt image, and 
   the receipt information comprises at least one from among a purchase date, a purchase time, a purchase amount, a vendor name, one or more line items, and a purchase location.   
     
     
         4 . The method of  claim 1 , wherein
 the pending transaction has a first transaction value, and   the first posted transaction has a second, different transaction value.   
     
     
         5 . The method of  claim 4 , wherein determining the first posted transaction comprises:
 analyzing the receipt data to identify one or more post-authorization line-items,   adjusting the first transaction value in accordance with the identified one or more post-authorization line items, and   determining the first posted transaction based at least in part on the adjusted first transaction value.   
     
     
         6 . The method of  claim 1 , wherein the request for purchase information corresponding to the pending transaction is configured to trigger a persistent request for the receipt data. 
     
     
         7 . The method of  claim 1 , wherein the first posted transaction is identified from among a plurality of posted transactions posted subsequent to the pending transaction. 
     
     
         8 . A system comprising:
 at least one processor; and   at least one memory having stored thereon computer program instructions that, when executed by the at least one processor, instruct the at least one processor to:
 receive an indication of a transaction authorization of a temporary pending transaction of a financial account associated with a user; 
 receive receipt data corresponding to a receipt related the pending transaction; 
 store data indicative of the receipt in correspondence with the pending transaction; 
 determine a first posted transaction that corresponds to the pending transaction, the first posted transaction not being posted based on the pending transaction; and 
 in response to the determining, store the data indicative of the receipt in correspondence with the first posted transaction. 
   
     
     
         9 . The system of  claim 8 , wherein the computer program instructions, when executed by the at least one processor, further instruct the at least one processor to:
 receive, with the receipt data, transaction classification information;   store the transaction classification information in correspondence with the pending transaction; and   store the transaction classification information in correspondence with the first posted transaction.   
     
     
         10 . The system of  claim 8 , wherein
 the receipt data comprises image data,   the computer program instructions, when executed by the at least one processor, further instruct the at least one processor to:
 analyze the receipt image data using optical character recognition; and 
 extract receipt information from the analyzed receipt image data as the data indicative of the receipt, and 
   the receipt information comprises at least one from among a purchase date, a purchase time, a purchase amount, a vendor name, one or more line items, and a purchase location.   
     
     
         11 . The system of  claim 8 , wherein
 the pending transaction has a first transaction value, and   the first posted transaction has a second, different transaction value.   
     
     
         12 . The system of  claim 11 , wherein determining the first posted transaction comprises:
 analyzing the receipt data to identify one or more post-authorization line-items,   adjusting the first transaction value in accordance with the identified one or more post-authorization line items, and   determining the first posted transaction based at least in part on the adjusted first transaction value.   
     
     
         13 . The system of  claim 8 , wherein the request for purchase information corresponding to the pending transaction is configured to trigger a persistent request for the receipt data. 
     
     
         14 . The system of  claim 8 , wherein the first posted transaction is identified from among a plurality of posted transactions posted subsequent to the pending transaction. 
     
     
         15 . A non-transitory computer-readable medium having stored thereon computer program code that, when executed by a processor, instructs the processor to perform a method comprising:
 receiving an indication of a transaction authorization of a temporary pending transaction of a financial account associated with a user, the transaction authorization being requested using the financial account;   receiving receipt data corresponding to a receipt related the pending transaction;   storing data indicative of the receipt in correspondence with the pending transaction;   determining a first posted transaction that corresponds to the pending transaction, the first posted transaction not being posted based on the pending transaction; and   in response to the determining, storing the data indicative of the receipt in correspondence with the first posted transaction.   
     
     
         16 . The computer-readable medium of  claim 15 , wherein the method further comprises:
 receiving, with the receipt data, transaction classification information;   storing the transaction classification information in correspondence with the pending transaction; and   storing the transaction classification information in correspondence with the first posted transaction.   
     
     
         17 . The computer-readable medium of  claim 15 , wherein
 the receipt data comprises receipt image data,   the method further comprises:
 analyzing the receipt image data using optical character recognition; and 
 extracting receipt information from the analyzed receipt image data as the data indicative of the receipt image, and 
   the receipt information comprises at least one from among a purchase date, a purchase time, a purchase amount, a vendor name, one or more line items, and a purchase location.   
     
     
         18 . The computer-readable medium of  claim 15 , wherein
 the pending transaction has a first transaction value, and   the first posted transaction has a second, different transaction value.   
     
     
         19 . The computer-readable medium of  claim 18 , wherein determining the first posted transaction comprises:
 analyzing the receipt data to identify one or more post-authorization line-items,   adjusting the first transaction value in accordance with the identified one or more post-authorization line items, and   determining the first posted transaction based at least in part on the adjusted first transaction value.   
     
     
         20 . The computer-readable medium of  claim 15 , wherein the first posted transaction is identified from among a plurality of posted transactions posted subsequent to the pending transaction.