Touchless expenses with real-time card charges

Abstract

An expense report generation system receives transaction authorization data from a card issuer and compares the data with expense report generation criteria to determine whether to generate an expense report, prior to settlement of the transaction, based on the authorization data. The expense report generation system evaluates additional data obtained from other data sources including contextual information of the employee, transaction authorization, location, and other employees to generate the expense report. The expense report generation system subsequently updates the generated expense report based on updated transaction authorization data and/or transaction settlement data. The expense report generation system trains and uses a machine learning model for efficiency and accuracy in generating expense reports from transaction authorization data while reducing an employee's burden in manually inputting expense information and the approval process burden.