Touchless Expenses with J.P. Morgan Corporate Cards

The new generation mobile experience with J.P. Morgan corporate cards delivers touchless expense submission and faster reimbursement.

Receive instant alerts when charges are incurred on J.P. Morgan corporate cards. Use guided correction, intelligent recommendations, and correct receipt extraction to ease automatic expense submission and approval. Automatically extract expense attributes from expense receipts in multiple languages using the Document IO agent. Available to customers with J.P. Morgan corporate cards.

Note: This feature is currently in controlled availability and requires a promotion code. To inquire about the promotion code, log a service request through My Oracle Support. You’ll need to provide the production pod names and the business units that will be using Touchless Expenses.

The Touchless Expenses application is ideally suited for large companies looking to simplify their expense workflow processes and reimbursement policies.

Key functionality of Touchless Expenses include:

AI-Powered Expense Policy Inquiry Using Expenses Policy AI Agent
Real-time expense creation with J.P. Morgan corporate cards.
Guided help for expenses that require more information.
Automatic submission of completed expenses.
Intuitive user interface and application experience.

AI-Powered Expense Policy Inquiry Using Expenses Policy AI Agent

Use the Expenses Policy AI agent to provide quick, contextual answers to employees’ corporate travel and expenditure policy questions. You can also leverage the agent to help answer other questions related to the Touchless Expenses application.

Upload the organization’s expense policies directly into the system. Employees can then query the agent to understand key policy details before incurring business expenses or submitting claims.

To use this feature, at least one business unit must be enabled with Touchless Expenses with J.P. Morgan Corporate Cards.

Note: Watch a quick demo of this feature for reference: Expense Policy Inquiry Using Expense Policy Agent for Touchless Expenses with J.P. Morgan Cards.

Get Started with the Expenses Policy Agent

To get started with the Expenses Policy Agent, you’ll need to upload at least one document. Here’s how:

Go to Setup and Maintenance.
Search for Manage Expenses System Options.
Find and open Document for Expenses Policy Agent.
Upload your policy and FAQ documents as needed.

Note:
Fusion Applications provides a Touchless Expenses user application manual and FAQ that serves as a baseline document. It's recommended that you modify it before uploading it to the Expenses Policy Agent, especially sections that need to be tailored to customer-specific information such as e-receipt forwarding address. Download the document and edit it before using.

Uploaded documents must be in PDF, .txt, MS Word, or .html format. For best results, follow the agent best practices linked below. If your documents include complex tables or images, convert them to plain text. See Author Documents to Maximize Answer Accuracy - Document Content for details.

You can upload multiple documents at once. To prevent conflicting information across files, be sure to follow the best practices for handling multiple documents. See Author Documents to Maximize Answer Accuracy - Document Structure for details.
Save your changes.

Once a document is uploaded, the Expenses Policy Agent option becomes available for Touchless Expenses users in the overflow menu of the application.

Uploaded documents will be used by all Touchless Expenses users across every business unit.

Update a Policy Document

Go to the existing document for Expenses Policy Agent.
Remove the old document and click Save.
Upload the new one and save your changes.

Configure Prompts

Fusion Applications offer the capability for you to tailor the prompt to meet your specific needs. See Can I configure my own prompts for the Expenses Policy Agent? for more information.

Real-time Expense Creation with J.P. Morgan Corporate Cards

Touchless Expenses users benefit from real-time expense creation when they incur charges on a J.P. Morgan corporate card.

When users incur charges on their J.P. Morgan corporate card, Touchless Expenses instantaneously creates the expenses and notifies the user on their mobile device, clearly identifying the expenses requiring more information. Users can click the notification to provide the missing information.

These corporate card expenses remain in the application with a "Pending final charge" status until the settled charge arrives. The status is removed and the expense is now ready for submission if no other information is required. Users see a message: "Final charge posted" at the top of the expense indicating the settled charge has arrived.

Guided Help for Expenses that Require More Information

Expense users follow guided prompts to quickly provide information for incomplete expenses. For example, in some instances, expenses might require more user input to comply with company policies. There are two ways to access the guided help: from the notification on the user’s mobile device or from within the Touchless Expenses application. When an expense user receives a notification on their mobile device after a corporate card charge is incurred, they select the notification which directs them to a guided experience to complete the expense. From within the application, the user selects the message on the top of the landing page indicating action is required on one or more expenses. The guided help provides clear instructions on how to fill in the required information. This allows users to complete their expenses easily and as soon as they're incurred.

The guided help supports the following common scenarios:

Expenses missing simple fields such as expense type, amount, and currency.
Expenses that require receipt or missing receipt justification.
Expenses missing more information such as number of attendees and attendee names.
Expenses violating corporate policies such as amount limits and card usage.
Potential duplicate expenses.

Automatic Submission of Completed Expenses

Automatic submission allows the user to set up a specific day of the week to have their expenses compiled into a report and submitted for approval. The company administrator configures this for each business unit and identifies which days of the week are available for employees to select for automatic submission, after which employees can turn on auto submission from the Settings page. On the selected automatic submission day, the Touchless Expenses application compiles all eligible expenses into a single report and submits them for approval. Any expenses that require more information remain in the application and aren't automatically submitted. By enabling automatic submission, the expense user’s experience can be fully automated from expense creation to submission.

Intuitive User Interface and Application Experience

Touchless Expenses supports policy enforcement, configuration for company-specific information, attendee capture, and various types of default values. The application is simplified into four main pages: expense landing page, manual expense creation page, search page, and settings page. It also provides employees with a seamless first-time user experience.