Application data integration for automatic data categorizations

Inventors

Franceschi, Pedro • Corderi, Ignacio

Assignees

Brex Inc

Abstract

There are provided systems and methods for application data integration for automatic data categorizations. A user associated with an organization, such as an employee of a company, may utilize a payment instrument or card affiliated with that company to make one or more purchases. In order to provide proper data allocation of transaction data resulting from that purchase, the company may utilize an expense management system to track data through one or more processes and databases. The expense management system may utilize application data integrations, such as a calendar application, in order to extract application data at a time of detection of electronic transaction processing to allocate that transaction data in real-time to particular actions taken by or engaged in by the user. Further, the application data integrations may allow for more precise data management by the expense management system.

Core Innovation

The document describes an expense management system that detects an electronic transaction between a user and a merchant at a time of using a payment card associated with the system, where the transaction data comprises a code generated by the system for the electronic transaction. The system receives an image comprising a digital representation of a physical transaction record for the electronic transaction, determines a fingerprint for a data placement of the code on the physical transaction record, and identifies that the code is included on the physical transaction record using image processing to determine that the electronic transaction is a valid transaction.

The system determines an application integration with a calendar application on a mobile device of the user, and determines calendar information for the user at the time of using the payment card based on the electronic transaction being the valid transaction. The system also determines card data for the electronic transaction on a payment network used for processing the electronic transaction using the payment card, and determines additional transaction data using the calendar information and the card data.

The document further indicates that transactions can be allocated to expense policies and categories without requiring active user selection by using contextual data derived from the calendar application at transaction time in combination with transaction, card, and payment network data. Additional refinements associate the contextual information with expense policies, expense categories and sub-categories, and optionally client identification.

Claims Coverage

The independent claims share a common set of inventive features: receipt or transaction record code detection via fingerprinting, validation of the transaction, integration with a user digital application to determine contextual data at transaction time, and allocation or recording of expense management information based on contextual data together with transaction and card or payment-network data. Across the independent claims, there are 3–5 core inventive features depending on the claim’s framing.

Across the independent claims, the main shared inventive structure is validating that a generated code is included on a physical transaction record using fingerprinted data placement and image processing, then using application integration to determine contextual data or current action at the transaction time. The contextual data is combined with transaction data and payment network card data to determine and store expense management information and/or allocate the transaction to an expense management category.

Stated Advantages

Documented Applications