Capital One Patent for Transaction Receipt Alert System

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted Capital One Services, LLC a patent for a transaction and receipt-based alert and notification system. This system allows a mobile application to identify potential better prices for products based on uploaded purchase receipts and aggregated data.

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What changed

The United States Patent and Trademark Office (USPTO) has granted patent US12586111B2 to Capital One Services, LLC for a novel transaction and receipt-based alert and notification system. The patent describes a system where a mobile device's sales notification application can obtain product information from uploaded purchase receipts. It then aggregates this information to identify similarities between purchases, compares it to a database, and can output a comparison result. The system also enables a payment card to be used for purchasing a selected product.

This patent grant is primarily informational and does not impose new regulatory obligations on financial institutions or consumers. However, it signifies a technological advancement in how purchase data and price comparisons can be managed and utilized, potentially influencing future product development in the consumer finance and retail technology sectors. Compliance officers should note this as a development in the intellectual property landscape relevant to payment processing and consumer notification services.

Source document (simplified)

← USPTO Patent Grants

Transaction and receipt based alert and notification system and techniques

Grant US12586111B2 Kind: B2 Mar 24, 2026

Assignee

Capital One Services, LLC

Inventors

Latika Gulati, Joshua Edwards, Lukiih Cuan

Abstract

Examples are described that enable a sales notification application executing on the mobile device to provide an indication of a better price for a product. In the examples, product information may be obtained from product purchase receipts uploaded by mobile devices executing an instance of a sales notification application. Similarities may be determined between the product information received from each product purchase of the plurality of product purchases. The product information from each of the uploaded receipts may be aggregated based on the determined similarity between the product information. A selected product and a location at which the selected product has been purchased previously may be received for comparison to the aggregated information in a product purchase database. A comparison result may be output to the sales notification application. A payment card may be enabled to purchase the selected product.

CPC Classifications

G06Q 30/0623 G06Q 10/087 G06Q 20/108 G06Q 20/3263 G06Q 30/0205 G06Q 30/0206 G06Q 30/0255 G06Q 30/0605 G06Q 30/0631 G06Q 20/047 G06N 5/04 G06N 20/00 G06V 30/10 G06V 30/41