Patent ID: 8554575

Claim:
A computer implemented method, comprising the steps of: receiving, by a processor, transaction data including at least one item associated with a transaction involving a payment from a customer to a goods or service provider; receiving, by a processor, an authorization request to authorize payment of the transaction against an account requiring substantiation for qualified expenses associated with the customer; and performing, by a processor at the time of the transaction, a substantiation process for the transaction prior to the payment to the goods or service provider, the substantiation process comprising: querying a database to obtain transaction information associated with the customer; matching the transaction information from the database with the received transaction data and an associated amount of the payment from the customer to the goods or services provider; and determining an authorization decision for payment of the transaction from the account to the goods or service provider; communicating the authorization decision for payment of the transaction; if the authorization decision includes authorizing payment of the transaction, causing payment to be sent from the account to the goods or service provider for the transaction; and if the authorization decision includes not authorizing payment of the transaction, causing payment to be denied to the goods or service provider for the transaction.