E-RECEIPTS COLLECTION AND MANAGEMENT SYSTEM

• US 20120221446A1
• Filed: 02/28/2011
• Published: 08/30/2012
• Est. Priority Date: 02/28/2011
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Votaw, Elizabeth S., Hanson, Carrie Anne, Kerber, Cindy
• Application Number:
  US13/036,716
• Publication Number:
  US 20120221446A1
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In general, embodiments of the present invention concern the collection and management of a consumer'"'"'s detailed receipt information in electronic form and the storage of the electronic receipts in a platform accessible to the consumer online or through the consumer'"'"'s mobile device.

Claims

1. A method implemented by a computerized apparatus configured to manage a user'"'"'s electronic receipts, the method comprising:

presenting the user with information about the user'"'"'s bank account;

prompting the user to submit an electronic receipt to the computerized apparatus;

receiving an electronic receipt from the user; and

assigning the electronic receipt to a purchase relating to the user'"'"'s bank account.

2. The method of claim 1 wherein the information about the user'"'"'s bank account comprises a list of transactions.

3. The method of claim 1 wherein the information about the user'"'"'s bank account comprises a list of electronic receipts.

4. The method of claim 1 wherein prompting the user to submit an electronic receipt comprises presenting the user with the option to attach an electronic receipt to information about a purchase.

5. The method of claim 1 wherein prompting the user to submit an electronic receipt comprises presenting the user with the option to upload an electronic receipt.

6. The method of claim 1 wherein prompting the user to submit an electronic receipt further comprises the step of prompting the user to take a photograph of a paper receipt.

7. The method of claim 6 wherein the computerized apparatus performs the method on a personal mobile electronic device.

8. The method of claim 1 wherein presenting the user with information about the user'"'"'s bank account comprises providing the user with a notification that a merchant has generated an electronic receipt.

9. The method of claim 8 wherein the notification comprises the name of the merchant that generated the electronic receipt.

10. The method of claim 9 wherein the notification further comprises the amount of the electronic receipt, the date of the electronic receipt, and the transaction identification used by the merchant to identify the purchase from which the electronic receipt was generated.

11. The method of claim 1 wherein assigning the electronic receipt to a purchase comprises making a hyperlink to an electronic receipt available to a user via an online banking platform.

12. The method of claim 11 wherein the hyperlink to an electronic receipt is located near information describing the purchase to which the electronic receipt is assigned.

13. The method of claim 12, wherein the information describing the purchase includes the purchase date, purchase amount, and retailer.

14. The method of claim 1 wherein prompting the user to submit an electronic receipt further comprises the step of prompting the user to add notes or annotations that will be associated with the electronic receipt.

15. An apparatus comprising:

a communication device;

and a processing device communicably coupled to the communication device, wherein the processing device is configured to;

present the user with information about the user'"'"'s bank account;

prompt the user to submit an electronic receipt to the apparatus; and

assign, in a memory device, the electronic receipt to a purchase relating to the user'"'"'s bank account.

16. The apparatus of claim 15 wherein the information about the user'"'"'s bank account comprises a list of transactions.

17. The apparatus of claim 15 wherein the information about the user'"'"'s bank account comprises a list of electronic receipts.

18. The apparatus of claim 15 wherein to prompt the user to submit an electronic receipt comprises presenting the user with the option to attach an electronic receipt with information about a purchase.

19. The apparatus of claim 15 wherein to prompt the user to submit an electronic receipt comprises presenting the user with the option to upload an electronic receipt.

20. The apparatus of claim 15 wherein to prompt the user to submit an electronic receipt further comprises the step of prompting the user to take a photograph of a paper receipt.

21. The apparatus of claim 20 wherein the apparatus is a personal mobile electronic device.

22. The apparatus of claim 15 wherein to present the user with information about the user'"'"'s bank account comprises providing the user with a notification that a merchant has generated an electronic receipt.

23. The apparatus of claim 22 wherein the notification comprises the name of the merchant that generated the electronic receipt.

24. The apparatus of claim 23 wherein the notification further comprises the amount of the electronic receipt, the date of the electronic receipt, and the transaction identification used by the merchant to identify the purchase from which the electronic receipt was generated.

25. The apparatus of claim 15 wherein to assign the electronic receipt with a purchase comprises making a hyperlink to an electronic receipt available to a user via an online banking platform.

26. The apparatus of claim 25 wherein the hyperlink to an electronic receipt is located near information describing the purchase with which the electronic receipt is assigned.

27. The apparatus of claim 26, wherein the information describing the purchase includes the purchase date, purchase amount, and retailer.

28. The apparatus of claim 15 wherein to prompt the user to submit an electronic receipt further comprises prompting the user to add notes or annotations that will be associated with the electronic receipt.

29. A computer program product for manage a user'"'"'s electronic receipts, the computer program product comprising a computer-readable medium having computer readable program instructions stored therein, wherein said computer-readable program instructions comprise:

first instructions configured to present the user with information about the user'"'"'s bank account;

second instructions configured to prompt the user to submit an electronic receipt; and

third instructions configured to assign the electronic receipt to a purchase relating to the user'"'"'s bank account.

30. The computer program product of claim 29, wherein the information about the user'"'"'s bank account comprises a list of transactions.

31. The computer program product of claim 29, wherein the information about the user'"'"'s bank account comprises a list of electronic receipts.

32. The computer program product of claim 29, wherein to prompt the user to submit an electronic receipt comprises presenting the user with the option to attach an electronic receipt with information about a purchase.

33. The computer program product of claim 29, wherein to prompt the user to submit an electronic receipt comprises presenting the user with the option to upload an electronic receipt.

34. The computer program product of claim 29, wherein to prompt the user to submit an electronic receipt further comprises the step of prompting the user to take a photograph of a paper receipt.

35. The computer program product of claim 29, wherein to present the user with information about the user'"'"'s bank account comprises providing the user with a notification that a merchant has generated an electronic receipt.

36. The computer program product of claim 35, wherein the notification comprises the name of the merchant that generated the electronic receipt.

37. The computer program product of claim 36, wherein the notification further comprises the amount of the electronic receipt, the date of the electronic receipt, and the transaction identification used by the merchant to identify the purchase from which the electronic receipt was generated.

38. The computer program product of claim 29, wherein to assign the electronic receipt with a purchase comprises making a hyperlink to an electronic receipt available to a user via an online banking platform.

39. The computer program product of claim 38, wherein the hyperlink to an electronic receipt is located near information describing the purchase with which the electronic receipt is assigned.

40. The computer program product of claim 39, wherein the information describing the purchase includes the purchase date, purchase amount, and retailer.

41. The computer program product of claim 29, wherein to prompt the user to submit an electronic receipt further comprises prompting the user to add notes or annotations that will be associated with the electronic receipt.

42. A method implemented by a computerized apparatus configured to manage a user'"'"'s electronic receipts, the method comprising:

presenting the user with a list of transactions relating to the user'"'"'s bank account;

prompting the user to attach an electronic receipt to one of the transactions;

prompting the user to generate an electronic receipt by taking a digital photograph of a paper receipt;

prompting the user to submit to the electronic receipt to a memory device; and

assigning, in the memory device, the electronic receipt to one of the transactions.

43. The method of claim 42, wherein one of the transactions is a purchase relating to the user'"'"'s bank account.

44. The method of claim 42, wherein a personal mobile electronic device is used to take a digital photo of a paper receipt.

45. The method of claim 42, wherein the method is performed by a mobile application.

46. The method of claim 42, further comprising the step of prompting the user to confirm the transaction to which the electronic receipt is to be attached.

47. The method of claim 42, further comprising the step of prompting the user to add notes or annotations to be associated with the electronic receipt.

48. A method implemented by a computerized apparatus configured to manage a user'"'"'s electronic receipts, the method comprising:

sending a notification to a user that an electronic receipt has been generated relating to a purchase between the user and a vendor;

prompting the user to view the electronic receipt;

presenting the user with a list of transactions relating to the user'"'"'s bank account;

prompting the user to attach an electronic receipt to one of the transactions;

prompting the user to submit to the electronic receipt to a memory device; and

assigning, in the memory device, the electronic receipt to one of the transactions.

49. The method of claim 48, wherein the notification is sent to the user'"'"'s personal mobile electronic device.

50. The method of claim 49, wherein the notification is sent using a SMS text messaging application.

51. The method of claim 49, wherein the notification is sent using a picture mail application.

52. The method of claim 49, wherein the notification comprises the name of the merchant that generated the electronic receipt.

53. The method of claim 49, wherein the notification further comprises the amount of the electronic receipt, the date of the electronic receipt, and the transaction identification used by the merchant to identify the purchase from which the electronic receipt was generated.

54. The method of claim 49, wherein the notification comprises a hyperlink to the electronic receipt.

55. An apparatus comprising:

a communication device; and

a processing device communicably coupled to the communication device, wherein the processing device is configured to;

store, in a memory device, information about the transactions of a user;

use the communication device to notify the user that an electronic receipt has been generated relating to a purchase between the user and a vendor;

use the communication to receive the electronic receipt from the user;

assign, in the memory device, the electronic receipt to the purchase between the user and the vendor.

56. The apparatus of claim 55, wherein the communication device notifies the user that an electronic receipt has been generated relating to a purchase between the user and a vendor by sending the user an email.

57. The apparatus of claim 55, wherein the communication device notifies the user that an electronic receipt has been generated relating to a purchase between the user and a vendor by sending the user a message to a personal mobile electronic device.

58. The apparatus of claim 55, wherein to assign the electronic receipt to the purchase comprises making a hyperlink to the electronic receipt available to the user via an online banking platform.