Augmenting online transaction statements using e-commerce receipts

Abstract

Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.

1 . A computer-implemented method for improving the accuracy of online banking systems, the method comprising:
 parsing, by a capture agent, graphical user interfaces (GUIs) displayed on a user device;   detecting, based on the parsing, a receipt displayed on the user device, the receipt comprising information about one or more items purchased by a user of the user device including a description of the one or more items and a price of the one or more items;   sending the receipt information to a server device, the server device configured to:
 receive transaction data for a plurality of transactions associated with the user, the transaction data comprising an amount for each of the transactions, 
 match the receipt to one or more of the transactions based at least on comparing at least the price of the one or more items to the transaction amount, 
 store an association between the receipt and the one or more matching transactions, and 
 provide the user with a transaction statement in an online banking system, the transaction statement being augmented using the stored association between the receipt and the one or more matching transactions. 
   
     
     
         2 . The method of  claim 1  wherein the capture agent comprises a plug-in for a web browser. 
     
     
         3 . The method of  claim 2  comprising receiving the plug-in from the server device. 
     
     
         4 . The method of  claim 3  wherein parsing the GUIs comprises parsing Document Object Model (DOM) elements from a plurality of web pages rendered by the web browser. 
     
     
         5 . The method of  claim 1  comprising:
 parsing, by a capture agent, a first GUI displayed on the user device; 
 determining that the first GUI is not a receipt; 
 waiting, by the capture agent, for a predetermined amount of time; and 
 after the waiting, parsing, by the capture agent, a second GUI displayed on the user device. 
 
     
     
         6 . The method of  claim 1  wherein detecting the receipt comprises:
 determining a merchant associated with the parsed GUIs; and 
 using, by the capture agent, specific parsing logic associated with the merchant to detect the receipt. 
 
     
     
         7 . The method of  claim 1  wherein the capture agent comprises a plug-in for a mobile application. 
     
     
         8 . The method of  claim 7  wherein the mobile application comprises at least one of an online banking application or an e-commerce application. 
     
     
         9 . The method of  claim 7  wherein parsing the GUIs comprises parsing Document Object Model (DOM) elements from a plurality of GUIs rendered by the mobile application. 
     
     
         10 . A computer-implemented method for improving the accuracy of online banking systems, the method comprising:
 receiving receipt information from a user device, the receipt information comprising information about one or more items purchased by a user of the user device including a description of the one or more items and a price of the one or more items, the receipt information captured from graphical user interfaces (GUIs) displayed on a user device;   receiving transaction data for a plurality of transactions associated with the user, the transaction data comprising an amount for each of the transactions;   matching a receipt to one or more of the transactions based at least on comparing at least the price of the one or more items included in the receipt to the transaction amount;   storing an association between the receipt and the one or more matching transactions; and   providing the user with a transaction statement in an online banking system, the transaction statement being augmented using the stored association between the receipt and the one or more matching transactions.   
     
     
         11 . The method of  claim 10  wherein receiving the transaction data comprises receiving transaction data from a bank computer network. 
     
     
         12 . The method of  claim 10  comprising storing the transaction data to a transactions queue, wherein matching the receipt to the one or more of the transactions comprises searching the transactions queue. 
     
     
         13 . The method of  claim 10  wherein matching the receipt to one or more of the transactions comprises identifying a plurality of transactions having a total amount approximately equal to the price of the one or more items. 
     
     
         14 . The method of  claim 10  comprising estimating a tax amount for the receipt based on a shipping address associated with the receipt, wherein matching the receipt to the one or more of the transactions comprises using the estimated tax amount for the receipt. 
     
     
         15 . The method of  claim 10  wherein the receipt information parsed from GUIs is obtained using one or more merchant specific rules corresponding to one or more e-commerce merchants. 
     
     
         16 . The method of  claim 10  comprising estimating a shipping amount for the receipt based on a shipping address associated with the receipt, wherein matching the receipt to the one or more of the transactions comprises using the estimated shipping amount. 
     
     
         17 . The method of  claim 10  comprising using the receipt to verify accuracy of one or more transaction amounts displayed in the one or more matching transactions. 
     
     
         18 . The method of  claim 17  wherein the transaction statement is searchable by one or more items included in the receipt. 
     
     
         19 . The method of  claim 10  comprising displaying, with the one or more matching transactions, in an online banking application GUI, receipt information for one or more items included in the receipt. 
     
     
         20 . A computer-implemented method for improving the accuracy of online banking systems, the method comprising:
 parsing, by a capture agent, graphical user interfaces (GUIs) displayed on a user device;   detecting, based on the parsing, a receipt displayed on the user device, the receipt comprising information about one or more items purchased by a user of the user device including a description of the one or more items and a price of the one or more items;   capturing, from the GUIs, merchant content comprising receipt information and one or more GUI elements;   sending the merchant content to a server device, the server device configured to:
 receive transaction data for a plurality of transactions associated with the user, the transaction data comprising an amount for each of the transactions, 
 match the receipt to one or more of the transactions based at least on comparing at least the price of the one or more items to the transaction amount, 
 store an association between the receipt and the one or more matching transactions, and 
 provide the user with a transaction statement in an online banking system, the transaction statement including the one or more matching transactions augmented by merchant content including the receipt having a stored association with the one or more matching transactions.