Restricted-use account payment administration apparatuses, methods and systems

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 receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user 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 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 receipt information related to a purchase transaction comprises an image 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 instantiated on 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 user mobile wallet component instantiated on the memory of 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 user mobile wallet component instantiated on 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 1 , wherein the purchase item information includes a merchant category code.

13. 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.

14. 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 receipt information.

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

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

17. The computerized 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.

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 receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user 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 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 user mobile wallet component instantiated on the memory of 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 user mobile wallet component instantiated on the memory of 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 receipt information related to a purchase transaction from a user mobile wallet component instantiated on a memory of a user 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 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.