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Systems and methods for allocating resources via information technology infrastructure

  • US 10,521,778 B2
  • Filed: 08/15/2016
  • Issued: 12/31/2019
  • Est. Priority Date: 12/16/2015
  • Status: Active Grant
First Claim
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1. A system to manage resource allocation via an information technology infrastructure, comprising:

  • a server comprising one or more processors configured to;

    provide to a plurality of devices corresponding to a plurality of heterogeneous electronic funding sources, an electronic benefits account transaction application programming interface (“

    API”

    ) configured to receive transaction requests from the plurality of heterogeneous electronic funding sources;

    receive, via the electronic benefits account transaction API, from a first device of the plurality of devices corresponding to a first electronic funding source of the plurality of heterogeneous electronic funding sources, a first one or more packets comprising a request to initiate a single electronic benefits account transaction to fund an electronic benefits account, the request identifying a transaction destination, a transaction code, a transaction amount and an identifier identifying the first electronic funding source;

    an enforcement engine configured on and executed by the server to;

    determine the transaction code maps to one of a current year or a previous year;

    perform a lookup in an electronic transaction queue of the electronic benefits account maintained in memory by the server to identify an in-process transaction amount and a reportable contribution amount;

    generate a value by combining the transaction amount, the in-process transaction amount and the reportable contribution amount identified from the electronic transaction queue of the electronic benefits account maintained in memory by the server, the value indicating a virtual transaction balance;

    compare the value with a threshold limit for the one of the current year or the previous year mapped to the transaction code to determine that the value exceeds the threshold limit;

    select an alert format configured for an interface corresponding to the first electronic funding source; and

    transmit, via a network to the first device, one or more response packets carrying data in the alert format indicating a denial of the single electronic benefits account transaction request responsive to the comparison and the transaction code mapping to the one of the current year or the previous year, wherein the first device, in response to receiving the one or more response packets, terminates the single electronic benefits account transaction and prevents exceeding the threshold limit established for the electronic benefits account.

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