RESTRICTED-USE ACCOUNT PAYMENT ADMINISTRATION APPARATUSES, METHODS AND SYSTEMS

• US 20120253852A1
• Filed: 03/31/2012
• Published: 10/04/2012
• 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 S., Li, Shaw
• Granted Patent: US 9,589,266 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• 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 method, comprising:

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.

2. The method of claim 1, wherein the receipt information related to a purchase transaction comprises an image of a purchase receipt.

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

4. The method of claim 1, wherein the restricted-use account reimbursement request is received via a user electronic wallet instantiated on a user mobile device.

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

6. The method of claim 1, wherein the restricted-use account reimbursement request is received via a web-based application.

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

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

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

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

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

13. The 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.

14. The method of claim 1, wherein obtaining purchase item information comprises performing an optical character recognition procedure on a receipt image.

15. The method of claim 1, wherein obtaining purchase item information comprises decoding a quick response code included in the receipt information.

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

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

18. The method of claim 1, 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.

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

a memory;

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

receive a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user;

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

identify a restricted-use account of the user;

determine a purchase item is eligible for the restricted-account usage;

determine a reimbursement amount associated with the purchase item form the purchase item information;

generate a reimbursement authorization request message including the purchase item information and the reimbursement amount;

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.

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

receive a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user;

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

identify a restricted-use account of the user;

determine a purchase item is eligible for the restricted-account usage;

determine a reimbursement amount associated with the purchase item form the purchase item information;

generate a reimbursement authorization request message including the purchase item information and the reimbursement amount;

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.