System and method for providing automated receipt and bill collection, aggregation, and processing

A system comprising:

• one or more processors running an application programming interface (API);
• memory storing current transaction data, customer information, and one or more instructions, the customer information including log-in information for a customer email account and the one or more instructions causing the one or more processors to:
• receive a photographed transaction document comprising a photograph of a printed receipt or a printed bill;
• log-in to the customer email account periodically and automatically, without involvement of the customer, using the log-in information;
• scan message data electronically, the message data corresponding to a first set of one or more emails in the customer email account, to identify a second set of one or more emails that include one or more electronic transaction documents;
• determine whether the photographed transaction document and each of the one or more electronic transaction documents is an electronic receipt or an electronic bill by:
• extracting transaction data in the photographed transaction document or the electronic transaction document by:
• electronically scanning the photographed transaction document or the electronic transaction document of a corresponding email of the second set of one or more emails;
• and
• performing a contextual analysis of the corresponding email of the second set of one or more emails;
• and
• when the photographed transaction document or the electronic transaction document comprises an electronic receipt:
• associating the extracted transaction data with the current transaction data;
• and
• determining that the extracted transaction data is associated with a fraudulent transaction by determining that an error exists between the current transaction data and the extracted transaction data;
• or,
• when the photographed transaction document or the electronic transaction document comprises an electronic bill:
• executing one or more bill actions, the one or more bill actions comprising (i) transmitting an alert to a user device associated with the user, the alert indicating that the electronic bill should be paid, and (ii) automatically scheduling payment of the electronic bill.

A method comprising:

• connecting, by one or more processors, a memory, a financial institute system, and an email system, the one or more processors associated with an application programming interface (API), the API to provide access to an email browsing simulation on the email system;
• storing, in the memory, current transaction data and customer information, the customer information including log-in information for a customer email account;
• receiving, at the one or more processors, a photographed transaction document, the photographed transaction document comprising a photograph of a printed receipt or a printed bill;
• logging-in into the customer email account of the email system, periodically and automatically, without involvement of the customer, using the log-in information;
• scanning electronically, by the one or more processors, message data corresponding to a first set of one or more emails in the customer email account, to identify a second set of one or more emails that include one or more electronic transaction documents;
• determining, by the one or more processors, whether the photographed transaction document and each of the one or more electronic transaction documents is an electronic receipt or an electronic bill by:
• extracting, by the one or more processors, transaction data in the photographed transaction document or the electronic transaction document by:
• scanning electronically, by the one or more processors, the photographed transaction document or the electronic transaction document of a corresponding email of the second set of one or more emails;
• and
• performing, by the one or more processors, a contextual analysis of the corresponding email of the second set of one or more emails;
• and
• when the photographed transaction document or the electronic transaction document comprises an electronic receipt:
• associating, by the one or more processors, the extracted transaction data with the current transaction data;
• and
• determining, by the one or more processors, that the extracted transaction data is associated with a fraudulent transaction by determining that an error exists between the current transaction data and the extracted transaction data;
• or,
• when the photographed transaction document or the electronic transaction document comprises an electronic bill:
• executing one or more bill actions, by the one or more processors, the one or more bill actions comprising (i) transmitting an alert to a user device associated with the user, the alert indicating that the electronic bill should be paid, and (ii) automatically scheduling payment of the electronic bill.