Abstract: The method obtains, through use of secure delegated access, data representing a financial transaction by a user of a financial service. The data is obtained in at least near real time following occurrence of the financial transaction. The method makes a determination that the user is proximate to a merchant identified in the data and that the financial transaction is a business expense. In response to making the determination, the method causes auto-detection functionality to detect that the user is in possession of a receipt and causes auto-focus functionality to focus on the receipt. The auto-detection functionality and the auto-focus functionality use a camera on a mobile device of the user. The method then causes the camera to capture an image of the receipt.