US 2016/0078560 A1Published application

Adaptive expense processing and management

AssigneeSpringAhead, Inc.

InventorsChristopher FARRELL, Mark MILBOURNE, Aleksandr PISAREVICH, Tyler AUSTEN, Kevin VAN HEUSEN, Claire MILLIGAN, Andrew SCHENCK, Milan KORSOS, Andrew CHAN, Demid POTEMKIN

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Abstract

Methods and apparatus for adaptive expense processing and management include receiving and generating expense data objects, performing one or more expense processing and/or management procedures, adjusting/updating expense data from a first set to a second set for use in an autonomous expense procedure, and generating one or more additional or subsequent expense data objects based on the second set of expense data. For example, one or more account formation characteristics may be determined during an account formation procedure. Further, a merchant identity procedure may be performed. Additionally, the methods and apparatus may perform an expense category estimation procedure. The methods and apparatus may also determine a duplicate expense data object and perform an expense resolution procedure.

Claims20

Dependent claims

A method, comprising:

at a network entity including one or more electronic access devices:
determining a first set of expense data using an autonomous expense procedure based in part on one or more expense parameters;
receiving one or more datasets each associated with a financial transaction record from a data storing entity;
generating an expense data object for each of the one or more datasets in response to receiving the one or more datasets;
transmitting a resolution request indication to an external electronic device associated with a reviewing entity for one or more of the generated expense data objects;
receiving one or more resolution indications for the one or more generated expense data objects from the external electronic device associated with the reviewing entity;
adjusting the first set of expense data to a second set of expense data using the autonomous expense procedure and based at least in part on receiving the one or more resolution indications;
generating a second expense data object for a second dataset based on the second set of expense data, wherein the second expense data object is different from the first expense data object;
and
presenting for display the second expense data object to the external electronic device associated with the reviewing entity.

7 more elements

A computer-readable storage medium comprising one or more programs for execution by one or more processors of an electronic device, the one or more programs including instructions which, when executed by the one or more processors, cause the electronic device to:

determine a first set of expense data using an autonomous expense procedure based in part on one or more expense parameters;
receive one or more datasets each associated with a financial transaction record from a data storing entity;
generate an expense data object for each of the one or more datasets in response to receiving the one or more datasets;
transmit a resolution request indication to an external electronic device associated with a reviewing entity for one or more of the generated expense data objects;
receive one or more resolution indications for the one or more generated expense data objects from the external electronic device associated with the reviewing entity;
adjust the first set of expense data to a second set of expense data using the autonomous expense procedure and based at least in part on receiving the one or more resolution indications;
generate a second expense data object for a second dataset based on the second set of expense data, wherein the second expense data object is different from the first expense data object;
and
present for display the second expense data object to the external electronic device associated with the reviewing entity.

6 more elements

An electronic apparatus comprising:

one or more processors;
memory;
and
one or more programs stored in memory, the one or more programs including instructions for:
determining a first set of expense data using an autonomous expense procedure based in part on one or more expense parameters;
receiving one or more datasets each associated with a financial transaction record from a data storing entity;
generating an expense data object for each of the one or more datasets in response to receiving the one or more datasets;
transmitting a resolution request indication to an external electronic device associated with a reviewing entity for one or more of the generated expense data objects;
receiving one or more resolution indications for the one or more generated expense data objects from the external electronic device associated with the reviewing entity;
adjusting the first set of expense data to a second set of expense data using the autonomous expense procedure and based at least in part on receiving the one or more resolution indications;
generating a second expense data object for a second dataset based on the second set of expense data, wherein the second expense data object is different from the first expense data object;
and
presenting for display the second expense data object to the external electronic device associated with the reviewing entity.

10 more elements

Dependencies are inferred from the claim text.