Systems and methods for custodial email management and transaction verification

• US 11,087,284 B2
• Filed: 11/05/2019
• Issued: 08/10/2021
• Est. Priority Date: 10/31/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Benkreira, Abdelkader, Mossoba, Michael, Edwards, Joshua
• Primary Examiner(s): Keehn, Richard G
• Application Number:
  US16/674,103
• Publication Number:
  US 20200134566A1
• Time in Patent Office: 644 Days
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: H04L 51/212 using filtering or selective blocking
• CPC Class Codes: H04L 51/42 Mailbox-related aspects, e.g. synchronisation of mailboxes

Abstract

A proxy email account management system configured to identify emails comprising receipt information and match the identified emails to respective transactions. The proxy email account management system may comprise a custodial email management system associated with a proxy email address. The custodial email management system may parse emails for receipt information and account-holder information, identify receipt information and account-holder information, determine if the emails correspond to a purchase made by an account-holder, and forward the email to a primary email address associated with the account-holder.

Claims

1. A custodial email management system comprising:

at least one processor; and

at least one memory having stored thereon computer program code that, when executed by the at least one processor, controls the at least one processor to;

receive, from a first merchant, a first email directed to a single proxy email address, the single proxy email address corresponding to a plurality of account-holders, the first email comprising receipt information;

compare the receipt information to an account-holder database to identify account-holder information for a first account-holder of the plurality of account-holders, the account-holder information including a primary email address; and

send a forward email to the primary email address, the forward email comprising the receipt information from the first email.

2. The system of claim 1, wherein the computer program code further controls the at least one processor to:

receive, from the first merchant, data indicative of a second email directed to the single proxy email address;

determine that the second email does not include the receipt information by parsing the data indicative of the second email for the receipt information; and

discard the data indicative of the second email.

3. The system of claim 1, wherein the computer program code further controls the at least one processor to receive a plurality of emails from a plurality of merchants, each of the plurality of emails being intended for a respective account-holder of the plurality of account-holders.

4. The system of claim 1, wherein the computer program code further controls the at least one processor to send the receipt information to a transaction server, the transaction server storing transaction data associated with a plurality of transactions corresponding to a plurality of purchases and configured to store the receipt information in association with a first transaction of the plurality of transactions corresponding to a first purchase.

5. The system of claim 1, wherein the computer program code controls the at least one processor to parse the data indicative of the first email to identify, as the receipt information, one or more of a merchant name, a merchant code, a transaction time and date, a total transaction amount, a subtotal amount, discounts provided, a shipping and handling cost, a one or more product names, one or more product descriptions, one or more product sizes, one or more product customizations, one or more product quantities, one or more product prices, one or more services rendered, a gratuity, and tax information.

6. The system of claim 1, wherein the computer program code controls the at least one processor to parse the data indicative of the first email to identify, as the account-holder information, one or more of an address, a name, a card number, a partial card number, an expiration date for a card, a security code, an account number, a rewards or loyalty program number, or a phone number associated with an account-holder of the plurality of account-holders.

7. The system of claim 1, wherein the computer program code further controls the at least one processor to:

determine, from within the receipt information, one or more receipt line items associated with a first purchase, the one or more receipt line items comprising a service rendered, a product name, a product quantity, and a product price;

determine, from within the receipt information, a receipt total representative of a total amount spent associated with the first purchase; and

verify the one or more receipt line items by comparing an aggregate price of the one or more receipt line items with the receipt total.

8. The system of claim 1, wherein the computer program code further controls the at least one processor to discard the first email responsive to determining that a first transaction associated with the receipt information was canceled or that the first transaction was not purchased with a credit card associated with the first account-holder.

9. A system for matching receipt information to transaction information comprising:

at least one processor; and

at least one memory having stored thereon computer program code that, when executed by the at least one processor, controls the at least one processor to;

receive transaction data associated with a plurality of transactions from a plurality of accounts;

receive a query request from an email server, the query request comprising receipt data associated with a first purchase made at a first merchant;

identify whether a first transaction among the plurality of transactions corresponds to the first purchase;

in response to failing to identify whether the first transaction among the plurality of transactions corresponds to the first purchase, receive updated transaction data and compare the updated transaction data to the receipt data to identify the first transaction corresponding to the first purchase;

attach, in response to identifying the first transaction among the plurality of transactions corresponding to the first purchase by the updated comparison, the receipt data to the first transaction; and

discard the receipt data in response to failing to identify the first transaction among the plurality of transactions that corresponds to the first purchase after a predetermined number of comparisons to further update the transaction data.

10. The system of claim 9, wherein the receipt data associated with the first purchase comprises a plurality of receipt line items.

11. The system of claim 10, wherein the computer program code further controls the at least one processor to:

separate each line item from the plurality of receipt line items received from the email server; and

store each line item as a separately identifiable entry and in connection with the first transaction of the plurality of transactions.

12. The system of claim 9, wherein the computer program code further controls the at least one processor to:

determine whether the first transaction matches a first portion of receipt data;

responsive to the first transaction matching a first portion of receipt data, determine whether the first transaction further matches a second portion of receipt data.

13. The system of claim 9, wherein the computer program code further controls the at least one processor to output for transmission, in response to failing to identify the first transaction among the plurality of transactions that corresponds to the first purchase after the predetermined number of comparisons to further update the transaction data, a notification to the email server indicating that the first transaction could not be found.

14. The system of claim 9, wherein the computer program code further controls the at least one processor to:

receive image data representative of a first email corresponding to the first transaction; and

store the image data in connection with the first transaction.

15. The system of claim 9, wherein the computer program code further controls the at least one processor to:

determine, from the receipt data, one or more of a merchant name, a merchant address, a transaction time and date, and a total transaction amount; and

identify the first transaction among the plurality of transactions corresponding to the first purchase by matching one or more of a merchant code, a time-stamp, and a total transaction amount corresponding to the first transaction with one or more of the merchant name, the merchant address, the transaction time and date, and the total transaction amount from the receipt data.

16. A custodial email management system comprising:

at least one processor; and

at least one memory having stored thereon computer program code that, when executed by the at least one processor, controls the at least one processor to;

receive, from a first merchant, a first email comprising receipt information addressed to a proxy email address, the proxy email address corresponding to a first account-holder;

determine whether the receipt information corresponds to a first transaction of a plurality of transactions of the first account-holder by transmitting the receipt information to a transaction server storing transaction data associated with the plurality of transactions of the first account-holder;

forward, in response to determining that the receipt information corresponds to the first transaction of the plurality of transactions, the first email to a primary email address associated with the first account-holder; and

discard, in response to receiving a notification from the transaction server indicating that the first transaction of the plurality of transactions corresponding to the receipt information was not identified, the first email.

17. The system of claim 16, wherein the computer program code further controls the at least one processor to:

identify one or more receipt line items associated with the receipt information; and

send the one or more receipt line items to a transaction server, the transaction server storing transaction data associated with the plurality of transactions and configured to store the one or more receipt line items in association with the first transaction of the plurality of transactions corresponding to the receipt information.

18. The system of claim 17, wherein the computer program code controls the at least one processor to determine whether the first email includes the receipt information by parsing the first email to identify one or more contextual clues corresponding to the receipt information.

19. The system of claim 16, wherein the computer program code further controls the at least one processor to discard the first email responsive to determining that the first transaction was canceled or that the first transaction was not purchased with a credit card associated with the first account-holder.