Restricted-use account payment administration apparatuses, methods and systems
First Claim
1. A processor-implemented restricted-use account reimbursement management method, comprising:
- receiving electronically, by a payment processing computer network, a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user mobile device, the receipt information 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 receipt information 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 mobile device of the user, said information generated from the mobile device comprising GPS information from a GPS 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.
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Accused Products
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.
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Citations
21 Claims
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1. A processor-implemented restricted-use account reimbursement management method, comprising:
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receiving electronically, by a payment processing computer network, a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user mobile device, the receipt information 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 receipt information 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 mobile device of the user, said information generated from the mobile device comprising GPS information from a GPS 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A restricted-use account reimbursement management system, comprising:
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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 receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user mobile device, the receipt information 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 receipt information 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 mobile device, said information from the user mobile device comprising GPS information from a GPS component; determining 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.
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21. A restricted-use account reimbursement management processor-readable non-transitory computer storage medium storing processor-executable instructions executable by a transaction processor to:
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receive, by a payment processing network, a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user mobile device, the receipt information 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 receipt information 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 mobile device, said information from the user mobile device comprising GPS information from a GPS component; determining 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.
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Specification