Restricted-use account payment administration apparatuses, methods and systems

• US 10,586,236 B2
• Filed: 11/10/2018
• Issued: 03/10/2020
• Est. Priority Date: 04/01/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Pourfallah, Stacy Sweeney, Li, Shaw
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US16/186,536
• Publication Number:
  US 20190080325A1
• Time in Patent Office: 486 Days
• CPC Class Codes: G06F 3/0484 for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks

Abstract

The RESTRICTED-USE ACCOUNT PAYMENT ADMINISTRATION APPARATUSES, METHODS AND SYSTEMS (hereinafter “RUAP”) transform purchase item information inputs or purchase receipt inputs via RUAP components into restricted-use account payment settlement outputs. A method is disclosed, including: receiving a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user; obtaining purchase item information from the receipt information included in the restricted-use account reimbursement request; identifying a restricted-use account of the user; determining a purchase item is eligible for the restricted-account usage; determining a reimbursement amount associated with the purchase item form the purchase item information; generating a reimbursement authorization request message including the purchase item information and the reimbursement amount; transmitting the reimbursement authorization request message to a restricted-account issuer for approval; and transacting the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.

Claims

1. A processor-implemented restricted-use account reimbursement management computerized method, comprising:

receiving electronically, by a payment processing computer network, a restricted-use account reimbursement request including a snapshot of a receipt related to a purchase transaction from a wallet component processed via a user device, the snapshot of the receipt having a purchase item that has already been paid for by a user, said purchase item being potentially eligible for a restricted-account usage;

obtaining, by a transaction processor, purchase item information from the snapshot of the receipt included in the restricted-use account reimbursement request;

automatically generating, by the transaction processor, a computer-executable link to identify a recommended restricted-use account of the user in response to accessing information generated from the user device, said information generated from the user device comprising geographical information from a geolocation transceiver component;

determining, by the transaction processor, based on the restricted-use account whether the purchase item is eligible for the restricted-account usage;

in response to the determining eligibility of the purchase item, determining, by the transaction processor, a reimbursement amount associated with the purchase item from the purchase item information and the restricted-use account as a result of executing the computer-executable link;

generating, by the transaction processor, a reimbursement authorization request message including the purchase item information and the reimbursement amount in response to the determining;

transmitting, by the transaction processor, the reimbursement authorization request message to a restricted-account issuer for approval; and

transacting electronically, by the transaction processor via the payment processing computer network, the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.

2. The computerized method of claim 1, wherein the snapshot of the receipt related to a purchase transaction comprises at least one of the following:

an image, a video, or a live stream of a purchase receipt.

3. The computerized method of claim 2, wherein the image of the purchase receipt is capture by the user device.

4. The computerized method of claim 1, wherein the restricted-use account reimbursement request is received via at least one of the following:

a user electronic wallet processed via the user device and a web-based application.

5. The computerized method of claim 4, wherein the user device includes any of a smart phone, a laptop computer, and a personal digital assistant.

6. The computerized method of claim 1, wherein the identified restricted-use account of the user is highlighted among a list of user accounts via a user interface of the wallet component processed via the user device;

and accounts other than the identified restricted-use account are de-emphasized among the list of user account via the user interface of the wallet component via the user device.

7. The computerized method of claim 1, wherein the restricted-use account reimbursement request comprises user credentials including a user name and a password.

8. The computerized method of claim 1, wherein the restricted-use account comprises any of:

a Flexible Spending Account (FSA), and a Health Savings Accounts (HSA).

9. The computerized method of claim 1, wherein the restricted use account comprises one or more government sponsored accounts, said one or more government sponsored accounts including any of a Medicare account and a Medicaid account.

10. The computerized method of claim 1, wherein the restricted use account comprises an unemployment benefit account.

11. The computerized method of claim 1, wherein the restricted-use account comprises any of a food stamp and a food voucher.

12. The computerized method of claim 11, further comprising:

obtaining user insurance information;

determining the purchase item is a healthcare related product; and

generating an insurance claim request to an insurance provider.

13. The computerized method of claim 1, wherein the purchase item information includes a merchant category code.

14. The computerized method of claim 1, wherein identifying a restricted-use account of the user comprises retrieving a user enrolled restricted-use account information from a user electronic wallet.

15. The computerized method of claim 1, wherein obtaining purchase item information comprises one or more of the following:

performing an optical character recognition procedure on a receipt image and decoding a quick response code included in the snapshot of the receipt.

16. The computerized method of claim 1, wherein the purchase item information includes a payment amount associated with the purchase item.

17. The computerized method of claim 1, wherein the reimbursement amount equals a payment amount obtained from the snapshot of the receipt.

18. A restricted-use account reimbursement management system, comprising:

a memory;

a transaction processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the transaction processor issues instructions to;

receive, at a payment processing network, a restricted-use account reimbursement request including a snapshot of a receipt related to a purchase transaction from a wallet component processed via a user device, the snapshot of the receipt having a purchase item that has already been paid for by a user, said purchase item being potentially eligible for a restricted-account usage;

obtain purchase item information from the snapshot of the receipt included in the restricted-use account reimbursement request;

automatically generate a computer-executable link to identify a recommended restricted-use account of the user in response to accessing information generated from the user device, said information from the user device comprising geographical information from a geolocation transceiver component;

determine based on the restricted-use account the purchase item is eligible for the restricted-account usage;

in response to the determining eligibility of the purchase item, determine a reimbursement amount associated with the purchase item from the purchase item information and the restricted-use account as a result of executing the computer-executable link;

generate a reimbursement authorization request message including the purchase item information and the reimbursement amount in response to the determining;

transmit the reimbursement authorization request message to a restricted-account issuer for approval; and

transact the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.

19. The system of claim 18, wherein the identified restricted-use account of the user is highlighted among a list of user accounts via a user interface of the wallet component processed via the user device, and accounts other than the identified restricted-use account are de-emphasized among the list of user account via the user interface of the wallet component processed via the user device.

20. A restricted-use account reimbursement management processor-readable non-transitory computer storage medium storing processor-executable instructions executable by a transaction processor to:

receive, by a payment processing network, a restricted-use account reimbursement request including a snapshot of a receipt related to a purchase transaction from a wallet component processed via a user device, the snapshot of the receipt having a purchase item that has already been paid for by a user, said purchase item being potentially eligible for a restricted-account usage;

obtain purchase item information from the snapshot of the receipt included in the restricted-use account reimbursement request;

automatically generate a computer-executable link to identify a recommended restricted-use account of the user in response to accessing information generated from the user device, said information from the user device comprising geographical information from a geolocation transceiver component;

determine based on the restricted-use account the purchase item is eligible for the restricted-account usage;

in response to the determining eligibility of the purchase item, determine a reimbursement amount associated with the purchase item from the purchase item information and the restricted-use account as a result of executing the computer-executable link;

generate a reimbursement authorization request message including the purchase item information and the reimbursement amount in response to the determining;

transmit the reimbursement authorization request message to a restricted-account issuer for approval; and

transact the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.