Requesting reimbursement for transactions

• US 8,965,798 B1
• Filed: 01/29/2010
• Issued: 02/24/2015
• Est. Priority Date: 01/30/2009
• Status: Active Grant

• Current Assignee: The PNC Financial Services Group, Inc.
• Original Assignee: The PNC Financial Services Group, Inc.
• Inventors: Mackrell, Bryan L., Ley, Michael Scott, Johns, Christine, Levin, Jennifer Marie, Moy, Chui-Ling Michelle, Vondle, David Wisely, Smets, Marieke
• Primary Examiner(s): Gart, Matthew
• Assistant Examiner(s): Hayles, Ashford S
• Application Number:
  US12/696,647
• Time in Patent Office: 1,852 Days
• Field of Search: 705/30
• US Class Current: 705/30
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Various embodiments are directed to systems and methods for generating and delivering a reimbursement request from a customer of a financial institution. According to various embodiments a transaction list may be displayed to a customer. The transaction list may comprise transactions on the customer'"'"'s account at the financial institution. An indication of a transaction to be reimbursed selected from the list, an indication of a recipient of the reimbursement request, an indication of the reimbursement request amount, and a text message may be received from the customer. The reimbursement request may be generated by packaging an indication of the customer, a description of the transaction to be reimbursed, the indication of the recipient, the indication of the reimbursement request amount and the text message into a message format. The reimbursement request may be transmitted to the recipient.

Claims

1. A system for generating and delivering a reimbursement request from a customer of a financial institution, the system comprising:

at least one processor;

a non-transitory computer readable memory device having instructions thereon that when executed by a processor, cause the processor to perform a method comprising;

post a plurality of electronic bills to an account of the customer at the financial institution;

receive information regarding the plurality of electronic bills that are posted to the account of the customer at the financial institution;

store the information regarding the plurality of electronic bills in a non-transitory computer readable memory device;

display a transaction list to the customer, wherein the transaction list comprises transactions on the customer'"'"'s account at the financial institution, wherein each of the transactions indicates a transfer from the customer'"'"'s account to a third-party payee, wherein the transfer is based on information regarding a corresponding electronic bill;

receive from the customer an indication of a transaction to be reimbursed, wherein the transaction to be reimbursed is selected from the transaction list;

receive from the customer an indication of a recipient of the reimbursement request, wherein the recipient of the reimbursement request is not the third-party payee;

receive from the customer an indication of a reimbursement request amount;

receive from the customer a text message, the text message being directed to the recipient of the reimbursement request;

generate the reimbursement request, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of the transaction to be reimbursed, the indication of the recipient, and the indication of the reimbursement request amount into a message format; and

incorporating the text message into the message format upon receipt of the text message from the customer; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of the reimbursement request amount, and the text message; and

transmit the reimbursement request to the recipient; and

display a reimbursement request list that indicates the status of the transmitted reimbursement request, wherein the reimbursement request list provides an option to cancel the reimbursement request that was transmitted to the recipient.

2. The system of claim 1, wherein displaying the transaction list comprises displaying at least one of the group consisting of transactions that have cleared the customer'"'"'s account and transactions that are pending on the customer'"'"'s account.

3. The system of claim 1, wherein the at least one processor is further programmed to:

receive from the customer an indication of a second transaction to be reimbursed, wherein the second transaction to be reimbursed is selected from the transaction list;

receive from the customer an indication of a second recipient of a second reimbursement request, wherein the second recipient of the second reimbursement request is not the third-party payee;

receive from the customer an indication of a second reimbursement request amount;

receive from the customer a second text message, the second text message being directed to the second recipient of the reimbursement request;

generate the second reimbursement request, wherein the generating of the second reimbursement request comprises;

packaging the indication of the customer, a description of the second transaction to be reimbursed, the indication of the second recipient, and the indication of the second reimbursement request amount into a second message format;

incorporating the second text message into the second message format upon receipt of the second text message from the customer; and

wherein the second reimbursement request comprises the indication of the customer, the description of the second transaction to be reimbursed, the indication of the second recipient, the indication of the second reimbursement request amount, and the second text message; and

transmit the second reimbursement request to the second recipient; and

display the reimbursement request list that indicates the status of the transmitted second reimbursement request, wherein the reimbursement request list provides an option to cancel the second reimbursement request that was transmitted to the second recipient.

4. The system of claim 1, wherein the reimbursement request further comprises a copy of the electronic bill and the amount of the reimbursement request is no greater than the amount of the transaction to be reimbursed.

5. The system of claim 1, wherein the reimbursement request list provides a graphical indication of the status of the reimbursement request and a plurality of additional reimbursement requests made by the customer.

6. The system of claim 1, wherein the at least one processor is further programmed to:

generate an interface comprising the indication of the customer, the description of the transaction to be reimbursed, the indication of the reimbursement request amount and the text message;

provide the interface to the recipient;

receive from the recipient through the interface an indication of whether the reimbursement request will be accepted or denied;

receive from the recipient through the interface an indication of a reimbursement amount;

receive from the recipient through the interface an indication of a source of reimbursement, wherein the source of reimbursement is selected from the group consisting of a deposit account of recipient and a credit account of the recipient; and

transfer the reimbursement amount from the source of reimbursement to an account of the customer.

7. The system of claim 1, wherein the at least one processor is further programmed to:

generate an interface comprising the indication of the customer, the description of the transaction to be reimbursed, the indication of the reimbursement request amount and the text message;

provide the interface to the recipient;

receive from the recipient through the interface an indication of whether the reimbursement request will be accepted or denied;

receive from the recipient through the interface an indication of a reimbursement amount;

receive from the recipient through the interface an indication of a source of reimbursement, wherein the source of reimbursement is selected from the group consisting of a deposit account of recipient and a credit account of the recipient; and

transfer the reimbursement amount from the source of reimbursement to an account of the customer.

8. A computer-implemented method for generating and delivering a reimbursement request from a customer of a financial institution, the method comprising:

posting, by a computer device, posting a plurality of electronic bills to an account of the customer at the financial institution;

receiving, by the computer device, receiving information regarding the electronic bills that are posted to the account of the customer at the financial institution;

displaying by the computer device a transaction list to the customer, wherein the transaction list comprises transactions on the customer'"'"'s account at the financial institution, wherein each of the transactions indicates a transfer from the customer'"'"'s account to a third-party payee, wherein the transfer is based on information regarding a corresponding electronic bill, and wherein the computer device comprises at least one processor and operatively associated memory;

receiving by the computer device from the customer an indication of a transaction to be reimbursed, wherein the transaction to be reimbursed is selected from the transaction list;

receiving by the computer device from the customer an indication of a recipient of the reimbursement request, wherein the recipient of the reimbursement request is not the third-party payee;

receiving by the computer device from the customer an indication of a reimbursement request amount;

receiving by the computer device from the customer a text message, the text message being directed to the recipient of the reimbursement request;

generating by the computer device a reimbursement request, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of the transaction to be reimbursed, the indication of the recipient, and the indication of the reimbursement request amount into a message format; and

incorporating the text message into the message format upon receipt of the text message from the customer; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of a reimbursement request amount, and the text message; and

transmitting by the computer device the reimbursement request to the recipient; and

displaying, by the computer device, displaying a reimbursement request list that indicates the status of the transmitted reimbursement request, wherein the reimbursement request list provides an option to cancel the reimbursement request that was transmitted to the recipient.

9. The method of claim 8, wherein displaying the transaction list comprises displaying at least one of the group consisting of transactions that have cleared the customer'"'"'s account and transactions that are pending on the customer'"'"'s account.

10. The method of claim 8, further comprising:

receiving from the customer an indication of a second transaction to be reimbursed, wherein the second transaction to be reimbursed is selected from the transaction list;

receiving from the customer an indication of a second recipient of a second reimbursement request, wherein the second recipient of the second reimbursement request is not the third-party payee;

receiving from the customer an indication of a second reimbursement request amount;

receiving from the customer a second text message, the second text message being directed to the second recipient of the reimbursement request;

generating the second reimbursement request, wherein the generating of the second reimbursement request comprises;

packaging the indication of the customer, a description of the second transaction to be reimbursed, the indication of the second recipient, and the indication of the second reimbursement request amount into a second message format;

incorporating the second text message into the second message format upon receipt of the second text message from the customer; and

wherein the second reimbursement request comprises the indication of the customer, the description of the second transaction to be reimbursed, the indication of the second recipient, the indication of the second reimbursement request amount, and the second text message; and

transmitting the second reimbursement request to the second recipient; and

displaying the reimbursement request list that indicates the status of the transmitted second reimbursement request, wherein the reimbursement request list provides an option to cancel the second reimbursement request that was transmitted to the second recipient.

11. The method of claim 8, wherein the reimbursement request further comprises a copy of the electronic bill and the amount of the reimbursement request is no greater than the amount of the transaction to be reimbursed.

12. The method of claim 8, wherein the reimbursement request list provides the customer with a graphical indication of the status of the reimbursement request and a plurality of additional reimbursement requests made by the customer.

13. A system for generating and delivering a reimbursement request from a customer of a financial institution, the system comprising:

a computer device, the computer device posting a plurality of electronic bills to an account of the customer at the financial institution and the computer device receiving information regarding the electronic bills that are posted to the account of the customer at the financial institution;

means for displaying a transaction list to the customer, wherein the transaction list comprises transactions on the customer'"'"'s account at the financial institution, wherein each of the transactions indicates a transfer from the customer'"'"'s account to a third-party payee, wherein the transfer is based on information regarding a corresponding electronic bill;

means for receiving from the customer an indication of a transaction to be reimbursed, wherein the transaction to be reimbursed is selected from the transaction list;

means for receiving from the customer an indication of a recipient of the reimbursement request, wherein the recipient of the reimbursement request is not the third-party payee;

means for receiving from the customer an indication of a reimbursement request amount;

means for receiving from the customer a text message, the text message being directed to the recipient of the reimbursement request;

means for generating a reimbursement request, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of the transaction to be reimbursed, the indication of the recipient, and the indication of the reimbursement request amount into a message format; and

incorporating the text message into the message format upon receipt of the text message from the customer; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of a reimbursement request amount, and the text message; and

means for transmitting the reimbursement request to the recipient; and

wherein the computer device displays a reimbursement request list that indicates the status of the transmitted reimbursement request; and

wherein the reimbursement request list provides an option to cancel the reimbursement request that was transmitted to the recipient.

14. A system for responding to a reimbursement request from a customer of a financial institution, the system comprising:

at least one processor;

a non-transitory computer readable memory device having instructions thereon that when executed by a processor, cause the processor to perform a method comprising;

generate a reimbursement request, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of a transaction to be reimbursed, an indication of a recipient of the reimbursement request, and an indication of a reimbursement request amount into a message format,

incorporating a text message into the message format; and

storing the message format in a non-transitory computer readable memory device; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of a reimbursement request amount, and the text message; and

wherein the transaction to be reimbursed is drawn on an account of the customer and payable to a third-party payee, and wherein the recipient of the reimbursement request is not the third-party payee; and

transmit the reimbursement request to the recipient;

generate an interface comprising the indication of the customer, the description of the transaction to be reimbursed, the indication of the reimbursement request amount and the text message;

provide the interface to the recipient;

receive from the recipient through the interface an indication of whether the reimbursement request will be accepted or denied;

receive from the recipient through the interface an indication of a reimbursement amount;

receive from the recipient through the interface an indication of a source of reimbursement, wherein the source of reimbursement is selected from the group consisting of a deposit account of recipient and a credit account of the recipient; and

transfer the reimbursement amount from the source of reimbursement to an account of the customer.

15. The system of claim 14, wherein the reimbursement amount is not equal to the reimbursement request amount.

16. The system of claim 14 wherein the deposit account is held at the financial institution and wherein the customer account is also held at the financial institution.

17. A computer-implemented method for responding to a reimbursement request from a customer of a financial institution, the method comprising:

generating a reimbursement request by a computer device, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of a transaction to be reimbursed, an indication of a recipient of the reimbursement request, and an indication of a reimbursement request into a message format,

incorporating a text message into the message format; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of a reimbursement request amount, and the text message; and

wherein the transaction to be reimbursed is drawn on an account of the customer and payable to a third-party payee, wherein the recipient of the reimbursement request is not the third-party payee, and wherein the computer device comprises at least one processor and operatively associated memory;

transmitting the reimbursement request by the computer device to the recipient;

generating an interface comprising the indication of the customer, the description of the transaction to be reimbursed, the indication of the reimbursement request amount and the text message;

providing the interface by the computer device to the recipient;

receiving from the recipient by the computer device through the interface an indication of whether the reimbursement request will be accepted or denied;

receiving from the recipient by the computer device through the interface an indication of a reimbursement amount;

receiving from the recipient by the computer device through the interface an indication of a source of reimbursement, wherein the source of reimbursement is selected from the group consisting of a deposit account of recipient and a credit account of the recipient; and

transferring the reimbursement amount by the computer device from the source of reimbursement to an account of the customer.

18. The method of claim 17, wherein the reimbursement amount is not equal to the reimbursement request amount.

19. The method of claim 17, wherein the deposit account is held at the financial institution and wherein the customer account is also held at the financial institution.

20. A system for responding to a reimbursement request from a customer of a financial institution, the system comprising:

at least one processor;

a non-transitory computer readable memory device having instructions thereon that when executed by a processor, cause the processor to perform a method comprising;

generating a reimbursement request, wherein the generating of the reimbursement request comprises;

packaging an indication of the customer, a description of the transaction to be reimbursed, an indication of the recipient of the reimbursement request, and an indication of a reimbursement request amount into a message format;

incorporating a text message into the message format; and

storing the message format in a non-transitory computer readable memory device; and

wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of a reimbursement request amount, and the text message; and

wherein the transaction to be reimbursed is drawn on an account of the customer and payable to a third-party payee, and wherein the recipient of the reimbursement request is not the third-party payee;

transmit the reimbursement request to the recipient;

generate an interface comprising the indication of the customer, the description of the transaction to be reimbursed, the indication of the reimbursement request amount and the text message;

provide the interface to the recipient;

receive from the recipient through the interface an indication of whether the reimbursement request will be accepted or denied;

receive from the recipient through the interface an indication of a reimbursement amount;

receive from the recipient through the interface an indication of a source of reimbursement, wherein the source of reimbursement is selected from the group consisting of a deposit account of recipient and a credit account of the recipient; and

transfer the reimbursement amount from the source of reimbursement to an account of the customer.