Electronic receipt-linking database system

Patent metadata

Field	Value
Publication number	US-10540724-B2
Application number	US-201615148448-A
Country	US
Kind code	B2
Filing date	May 6, 2016
Priority date	May 6, 2015
Publication date	Jan 21, 2020
Grant date	Jan 21, 2020

Abstract

An electronic receipt system may generate electronic documents including receipt content associated with a transaction between an account holder and a third party, and automatically link the electronic documents to secure records corresponding to account transaction records in a secure database. An account holder may subsequently view an electronic document including the receipt from a secure network platform displaying the secure records for multiple transactions in the account. In some aspects, the electronic receipt system may retrieve the receipt from an email message transmitted to an email address assigned to the account holder by the electronic receipt system. In other aspects, the electronic receipt may be retrieved using an application on a user device corresponding to the electronic receipt system.

First claim

What is claimed is:

1. A system, comprising:
a processing device communicatively couplable to an electronic mail (email) server having a common inbox for storing a plurality of email messages received in the common inbox based on a domain part of corresponding email addresses for the plurality of email messages;
a memory device accessible to the processing device and including instructions executable by the processing device to cause the processing device to:
retrieve the plurality of email messages from the common inbox;
determine an account holder associated with an email message of the plurality of email messages using a local part of an email address corresponding to the email message;
identify receipt content within the email message, the receipt content corresponding to a receipt for a transaction between the account holder and a third party using an account associated with the account holder;
extract metadata from the email message, the metadata being different than the receipt content for the transaction, and the metadata including a timestamp corresponding to a date and time that the email message was received by the email server or stored in the common inbox;
generate an electronic document including the receipt content and having a format displayable to the account holder on a user device communicatively coupled to the processing device via a network;
identify, using the timestamp in the metadata, a secure record of the transaction stored in a database having account information associated with the account, the account information including a plurality of secure records corresponding to a plurality of transactions and stored authentication information;
associate the receipt content, the metadata, and the electronic document with the secure record; and
authenticate the account holder to allow the account holder to view, on the user device, the secure record and the electronic document by comparing the stored authentication information with authentication information received from the account holder via the user device.

2. The system of claim 1 , wherein the memory device includes instructions executable by the processing device to cause the processing device to:
generate, subsequent to authenticating the account holder, a first user interface displayable on the user device and including an input option for allowing the account holder to enter a username and a selection option for transmitting the username to the system via the network;
receive, via the network, the username entered by the account holder into the input option in response to a selection of the selection option by the account holder;
generate the email address using the username as the local part of the email address;
associate the username with the account information; and
use the authentication information to identify the account information corresponding to the account holder.

3. The system of claim 1 , wherein the memory device includes instructions executable by the processing device to cause the processing device to:
generate, subsequent to authenticating the account holder, a first user interface displayable on the user device and including transaction details corresponding to the transaction and a selection option selectable by the account holder to transmit a selection signal to the processing device corresponding to a request to view the electronic document including the receipt content;
retrieve, in response to receiving the selection signal, the electronic document from the database; and
generate a second user interface displayable on the user device and including the electronic document.

4. The system of claim 1 , wherein the memory device includes instructions executable by the processing device to cause the processing device to:
generate, subsequent to authenticating the account holder, a first user interface displayable on the user device and including transaction details corresponding to a first transaction of the plurality of transactions, and a selection option selectable by the account holder to transmit a selection signal to the processing device, the selection signal corresponding to a request to link an unassociated electronic document to the transaction details corresponding to the first transaction;
generate, in response to receiving the selection signal, a second user interface displayable on the user device and including a plurality of selection options corresponding to a plurality of email records including a plurality of unassociated electronic documents that are unassociated with any of the plurality of secure records, the plurality of selection options including a second selection option corresponding to an email record of the plurality of email records having the unassociated electronic document for the first transaction, the second selection option being selectable by the account holder to transmit a second signal to the processing device corresponding to a selection of the email record; and
associate the unassociated electronic document with a first secure record of the first transaction stored in the database.

5. The system of claim 1 , wherein the metadata further includes sender information corresponding to an identity of a sender of the email message to the email server.

6. The system of claim 5 , wherein the secure record includes merchant information corresponding to an identity of the third party in the transaction and a transaction date corresponding to a time of the transaction between the account holder and the third party,
wherein the memory device includes instructions executable by the processing device to cause the processing device to identify the secure record of the transaction by:
querying a plurality of secure records, each record of the plurality of secure records including corresponding sender information;
comparing the merchant information with the corresponding sender information of the plurality of secure records to identify the sender information;
determining a time range by including a predetermined time length before and after the time at which the email message was received by the email server or stored in the common inbox; and
comparing the transaction date with the time range to determine that the transaction date is within the time range.

7. The system of claim 1 , wherein the memory device includes instructions executable by the processing device to cause the processing device to:
receive a receipt image from the user device, the receipt image being captured by a camera device of the user device, the receipt image including the receipt for the transaction;
receive receipt metadata from the user device, the receipt metadata being input by the account holder and corresponding to information about the transaction; and
generate a second electronic document including the receipt image and having the format displayable to the account holder on the user device.

8. The system of claim 1 , wherein the memory device further comprises device software that is downloadable to the user device, the device software being executable by the user device for causing the user device to generate one or more user interfaces displayable on a display of the user device, the one or more user interfaces including a first user interface for displaying transaction details corresponding to a first transaction of the plurality of transactions and including a first selection option selectable by the account holder to transmit a signal from the user device to the processing device via the network.

9. The system of claim 8 , wherein the device software is further executable by the user device for causing the user device to:
actuate a camera device of the user device to record an image of the receipt

Assignees

• Branch Banking &Trust Co

Inventors

• Whitley Matthew
• Spriggs Matthew
• Rajagopal Gopinath
• Kinney Patricia
• Meyer Seneca
• Espinola Nixa

Classifications

• G06F21/64

  Protecting data integrity, e.g. using checksums, certificates or signatures · CPC title

• G06Q10/107

  Computer-aided management of electronic mailing [e-mailing] · CPC title

• G06Q30/018

  Certifying business or products · CPC title

• G06Q40/12 Primary

  Accounting · CPC title

• H04L51/08

  Annexed information, e.g. attachments · CPC title