Granted Patent B2

US 12,217,226 · App. 18/215,750 · Granted Feb 4, 2025

Inventors: John Bull (Nashua, NH); Christopher Rodkey (Beverly, MA)

Assignee: Alegeus Technologies, LLC

G06Q20/10G06Q40/02

Abstract

Claims (126)

1. A system for conducting electronic transactions via a computer network, comprising:

a multi-purse transaction system comprising one or more processors, coupled with memory, to:

receive, via a communications interface of the multi-purse transaction system, a request to adjudicate a single claim against an electronic benefits account;

adjudicate determine, responsive to receipt, via the communications interface, of the request to adjudicate the single claim, that, based on one or more policies, the single claim against the electronic benefits account is approved for an amount of expenditures qualifying under the electronic benefits account,

wherein the adjudication is performed in real-time instead of adjudication in a batch process,

wherein adjudications in the batch process temporarily memo-post amounts that cause one or more occurrences of erroneous transactions that exceed current amounts in electronic accounts;

identify, via a configuration of the electronic benefits account maintained by the multi-purse transaction system, a reimbursement policy of the one or more policies of the electronic benefits account specifying a list of account destinations for benefits account reimbursements comprising a user-specified set of electronic identifiers, the user-specified set of electronic identifiers corresponding to a plurality of electronic reimbursement accounts comprising

a first electronic reimbursement account that is maintained remote from the multi-purse transaction system,

a second electronic reimbursement account that is maintained remote from the multi-purse transaction system and different from the first electronic reimbursement account, and

a third electronic reimbursement account that is a checking account configured to receive direct deposits;

select, via application of the reimbursement policy to the single claim and from the list comprising the user-specified set of electronic identifiers, one of the user-specified set of electronic identifiers to use as a destination electronic reimbursement account, each of the plurality of electronic reimbursement accounts configured to allow transactions for one or more expenditures that do not qualify under the electronic benefits account;

cause a credit for the approved amount for the single claim to be applied to the destination electronic reimbursement account; <generate, responsive to the request adjudicated by the multi-purse transaction system and causing the credit to be applied to the destination electronic reimbursement account, a notification relating to the credit to the destination electronic reimbursement account; and

transmit, in real-time responsive to causing the credit to be applied to the destination electronic reimbursement account, via the computer network to a device able to display information relating to the electronic benefits account, a first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account selected based on the reimbursement policy from the list comprising the user-specified set of electronic identifiers,

wherein the first one or more packets cause the device to display, via a real-time notification, the indication relating to the credit to the destination electronic reimbursement account to indicate the credit is accessible for subsequent transactions.

2. The system of claim 1 , wherein the one or more processors are further configured to:

prior to transmission of the first one or more packets carrying data indicating the notification of the credit, determine a balance of the destination electronic reimbursement account, the balance including the credit to the destination electronic reimbursement account; and

transmit the first one or more packets responsive to determining the balance includes the credit.

3. The system of claim 1 , wherein the one or more processors are further configured to:

receive a second one or more packets carrying the request to adjudicate the single claim against the electronic benefits account, the request comprising a request data structure having a first field indicating a merchant ID, a second field indicating a total amount of expenditures, and a third field indicating the electronic benefits account;

parse the second one or more packets to identify the electronic benefits account indicated via the third field;

perform, with the identification of the electronic benefits account, a lookup in a benefits account policy database maintained in memory by the multi-purse transaction system;

retrieve, responsive to the lookup, an electronic benefits account policy of the one or more policies corresponding to the single claim against the electronic benefits account; and

generate, responsive to application of the electronic benefits account policy using the merchant ID and the total amount of expenditures, the indication that the single claim against the electronic benefits account is approved for the amount of expenditures qualifying under the electronic benefits account.

4. The system of claim 3 , wherein the one or more processors are further configured to:

determine the amount of expenditures qualifying under the electronic benefits account is different from the total amount of expenditures.

5. The system of claim 1 , wherein the one or more processors are further configured to:

receive, via the computer network, a second one or more packets carrying a request to adjudicate the single claim against the electronic benefits account, the request comprising a request data structure having a first field indicating a merchant ID, a second field indicating a total amount of expenditures, and a third field indicating the electronic benefits account; and

transmit the first one or more packets carrying data indicating the notification relating to the credit within a predetermined time interval of receiving the second one or more packets.

6. The system of claim 1 , wherein the one or more processors are further configured to:

receive a second one or more packets generated by a merchant device to conduct an electronic transaction at a merchant, the second one or more packets carrying data identifying a merchant category of the merchant, the electronic benefits account maintained and configured on the multi-purse transaction system, and a total monetary amount of the electronic transaction; and

transmit the first one or more packets carrying data indicating the notification relating to the credit within a predetermined time interval of receiving the second one or more packets.

7. The system of claim 1 , wherein the one or more processors are further configured to:

receive a second one or more packets generated by a merchant device to conduct an electronic transaction at a merchant, the second one or more packets carrying data identifying a merchant category of the merchant, the electronic benefits account maintained and configured on the multi-purse transaction system, and a total monetary amount of the electronic transaction;

initiate the adjudication for the single claim responsive to receiving the second one or more packets;

generate, responsive to initiating the adjudication for the single claim, a second notification of the initiation; and

transmit, prior to transmission of the first one or more packets, a third one or more packets carrying data indicating the second notification of the initiation.

8. The system of claim 7 , wherein the one or more processors are further configured to:

transmit the first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account and the third one or more packets carrying data indicating the second notification within a predetermined time interval.

9. The system of claim 1 , wherein the one or more processors are further configured to:

retrieve, responsive to causing the credit to be applied to the destination electronic reimbursement account with, an electronic report template configured for the electronic benefits account;

generate the notification relating to the credit to the destination electronic reimbursement account using the electronic report template to include a balance of the destination electronic reimbursement account subsequent to causing the credit to be applied to the destination electronic reimbursement account; and

transmit, to the device, the first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account via at least one of a Short Message Service protocol or an electronic mail protocol.

10. The system of claim 1 , wherein the one or more processors are further configured to:

perform a lookup in a profile database of the electronic benefits account to identify the device configured to receive notifications for the electronic benefits account;

retrieve, from the profile database, a unique identifier for the device and a notification mode, the notification mode including at least one of a Short Message Service protocol or an electronic mail protocol; and

configure the first one or more packets carrying data indicating the notification based on the notification mode.

11. The system of claim 1 , wherein the one or more processors are further configured to:

receive, from a terminal device located at a merchant, via the communications interface, an indication to conduct an electronic transaction at the merchant, the electronic transaction related to the request to adjudicate the single claim against the electronic benefits account.

12. The system of claim 11 , wherein the electronic transaction is conducted at the terminal device using a debit card, the debit card linked to the electronic benefits account.

13. The system of claim 1 , wherein at least one of the one or more policies comprises a rule configured to determine the single claim is approved for the amount of expenditures.

14. The system of claim 1 , wherein at least one of the one or more policies comprises a rule configured to determine an amount of the credit to the destination electronic reimbursement account.

15. The system of claim 1 , wherein the one or more processors are further configured to:

determine, during the adjudication of the single claim, whether to transmit a request for additional information to the device.

16. The system of claim 1 , wherein the one or more processors are further configured to:

transmit, prior to determination that the single claim against the electronic benefits account is approved for the amount of expenditures qualifying under the electronic benefits account, a request for additional information to the device.

17. The system of claim 16 , wherein the one or more processors are further configured to:

receive further information from the device in response to the request for the additional information; and

determine, during the adjudication, the single claim against the electronic benefits account is approved based at least in part on the received further information from the device.

18. The system of claim 16 , wherein the request for the additional information comprises a second notification that the additional information is to process the single claim.

19. The system of claim 1 , wherein the electronic benefits account is associated with a transport sub-purse configured for transactions related to transportation or parking.

20. The system of claim 19 , wherein the one or more processors are further configured to:

select, for a second request to adjudicate a second claim against the electronic benefits account, using the reimbursement policy, the transport sub- purse as a second destination electronic reimbursement account for a second credit associated with the second claim; and

cause the second credit for the second claim to be applied to the second destination electronic reimbursement account.

21. A method of managing electronic transactions via a computer network, comprising:

receiving, by a communication interface of a multi-purse transaction system comprising one or more processors coupled with memory, a request to adjudicate a single claim against an electronic benefits account;

adjudicating, by the multi-purse transaction system, responsive to the communication interface receiving the request to adjudicate the single claim, that, based on one or more policies, the single claim against the electronic benefits account is approved for an amount of expenditures qualifying under the electronic benefits account,

wherein the adjudication is performed in real-time instead of adjudication in a batch process,

wherein adjudications in the batch process temporarily memo-post amounts that cause one or more occurrences of erroneous transactions that exceed current amounts in electronic accounts;

identifying, by the multi-purse transaction system, via a configuration of the electronic benefits account maintained by the multi-purse transaction system, a reimbursement policy of the electronic benefits account specifying a list of account destinations for benefits account reimbursements comprising a user- specified set of electronic identifiers, the user-specified set of electronic identifiers corresponding to a plurality of electronic reimbursement accounts comprising

a first electronic reimbursement account that is maintained remote from the multi-purse transaction system,

a second electronic reimbursement account that is maintained remote from the multi-purse transaction system and different from the first electronic reimbursement account, and

a third electronic reimbursement account that is a checking account configured to receive direct deposits;

selecting, via application of the reimbursement policy to the single claim and from the list comprising the user-specified set of electronic identifiers, one of the user-specified set of electronic identifiers to use as a destination electronic reimbursement account, each of the plurality of electronic reimbursement accounts configured to allow transactions for one or more expenditures that do not qualify under the electronic benefits account;

transmitting, by the multi-purse transaction system, instructions to credit the destination electronic reimbursement account for the approved amount for the single claim;

generating, by the multi-purse transaction system in real-time and responsive to the request adjudicated by the multi-purse transaction system and transmitting the instructions to credit the destination electronic reimbursement account with the approved amount for the single claim, a notification relating to the credit to the destination electronic reimbursement account; and

transmitting, by the multi-purse transaction system via the computer network to a device able to display information relating to the electronic benefits account, a first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account selected based on the reimbursement policy from the list comprising the user-specified set of electronic identifiers,

wherein the first one or more packets cause the device to display, via a real-time notification, the indication relating to the credit to the destination electronic reimbursement account to indicate the credit is accessible for subsequent transactions.

22. The method of claim 21 , further comprising:

prior to transmitting the first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account, determining, by the multi-purse transaction system, a balance of the destination electronic reimbursement account, the balance including the credit to the destination electronic reimbursement account; and

transmitting, by the multi-purse transaction system, the first one or more packets responsive to determining the balance includes the credit.

23. The method of claim 21 , further comprising:

receiving, by the multi-purse transaction system via the computer network, a second one or more packets carrying the request to adjudicate the single claim against the electronic benefits account, the request comprising a request data structure having a first field indicating a merchant ID, a second field indicating a total amount of expenditures, and a third field indicating the electronic benefits account;

parsing, by the multi-purse transaction system, the second one or more packets to identify the electronic benefits account indicated via the third field;

performing, by the multi-purse transaction system, using the identification of the electronic benefits account, a lookup in a benefits account policy database maintained in memory by the multi-purse transaction system;

retrieving, by the multi-purse transaction system responsive to the lookup, an electronic benefits account policy corresponding to the single claim against the electronic benefits account; and

generating, by the multi-purse transaction system responsive to application of the electronic benefits account policy using the merchant ID and the total amount of expenditures, the indication that the single claim against the electronic benefits account is approved for the amount of expenditures qualifying under the electronic benefits account.

24. The method of claim 23 , further comprising:

determining, by the multi-purse transaction system, the amount of expenditures qualifying under the electronic benefits account is different from the total amount of expenditures.

25. The method of claim 21 , further comprising:

receiving, by the multi-purse transaction system via the computer network, a second one or more packets carrying a request to adjudicate the single claim against the electronic benefits account, the request comprising a request data structure having a first field indicating a merchant ID, a second field indicating a total amount of expenditures, and a third field indicating the electronic benefits account; and

transmitting, by the multi-purse transaction system, the first one or more packets carrying data indicating the notification relating to the credit within a predetermined time interval of receiving the second one or more packets.

26. The method of claim 21 , further comprising:

receiving, by the multi-purse transaction system, a second one or more packets generated by a merchant device to conduct an electronic transaction at a merchant, the second one or more packets carrying data identifying a merchant category of the merchant, the electronic benefits account maintained and configured on the multi-purse transaction system, and a total monetary amount of the electronic transaction; and

transmitting, by the multi-purse transaction system, the first one or more packets carrying data indicating the notification relating to the credit within a predetermined time interval of receiving the second one or more packets.

27. The method of claim 21 , further comprising:

receiving, by the multi-purse transaction system, a second one or more packets generated by a merchant device to conduct an electronic transaction at a merchant, the second one or more packets carrying data identifying a merchant category of the merchant, the electronic benefits account maintained and configured on the multi-purse transaction system, and a total monetary amount of the electronic transaction;

initiating, by the multi-purse transaction system, the adjudication of the single claim responsive to receiving the second one or more packets;

generating, by the multi-purse transaction system responsive to initiating the adjudication of the single claim, a second notification of the initiation; and

transmitting, by the multi-purse transaction system prior to transmission of the first one or more packets, a third one or more packets carrying data indicating the second notification of the initiation.

28. The method of claim 27 , further comprising:

transmitting, by the multi-purse transaction system, the first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account and the third one or more packets carrying data indicating the second notification within a predetermined time interval.

29. The method of claim 21 , further comprising:

retrieving, responsive to crediting the destination electronic reimbursement account an electronic report template configured for the electronic benefits account;

generating, by the multi-purse transaction system, the notification relating to the credit to the destination electronic reimbursement account using the electronic report template to include a balance of the destination electronic reimbursement account subsequent to transmitting the instructions to credit the destination electronic reimbursement account; and

transmitting, by the multi-purse transaction system to the device, the first one or more packets carrying data indicating the notification via at least one of a Short Message Service protocol or an electronic mail protocol.

30. The method of claim 21 , further comprising:

performing, by the multi-purse transaction system, a lookup in a profile database of the electronic benefits account to identify the device configured to receive notifications for the electronic benefits account;

retrieving, by the multi-purse transaction system from the profile database, a unique identifier for the device and a notification mode, the notification mode including at least one of a Short Message Service protocol or an electronic mail protocol; and

configuring, by the multi-purse transaction system, the first one or more packets carrying data indicating the notification based on the notification mode.

31. The method of claim 21 , further comprising:

receiving, by the multi-purse transaction system, from a terminal device located at a merchant, an indication to conduct an electronic transaction at the merchant, the request to adjudicate the single claim against the electronic benefits account being communicated to the multi-purse transaction system responsive to the electronic transaction.

32. The method of claim 31 , wherein the electronic transaction is conducted at the terminal device using a debit card, the debit card linked to the electronic benefits account.

33. The method of claim 21 , wherein at least one of the one or more policies comprises a rule configured to determine the single claim is approved for the amount of expenditures.

34. The method of claim 21 , wherein at least one of the one or more policies comprises a rule configured to determine an amount of the credit to the destination electronic reimbursement account.

35. The method of claim 21 , comprising:

determining, by the multi-purse transaction system during the adjudication of the single claim, whether to transmit a request for additional information to the device.

36. The method of claim 21 , comprising:

transmitting, by the multi-purse transaction system prior to determination that the single claim against the electronic benefits account is approved for the amount of expenditures qualifying under the electronic benefits account, a request for additional information to the device.

37. The method of claim 36 , comprising:

receiving, by the multi-purse transaction system, further information from the device in response to the request for the additional information; and

determining, by the multi-purse transaction system, during the adjudication of the single claim, the single claim against the electronic benefits account is approved based at least in part on the received further information from the device.

38. The method of claim 36 , wherein the request for the additional information comprises a second notification that the additional information is to process the single claim.

39. The method of claim 21 , wherein the electronic benefits account is associated with a transport sub-purse configured for transactions related to transportation or parking.

40. The method of claim 39 , comprising:

selecting, by the multi-purse transaction system, for a second request to adjudicate a second claim against the electronic benefits account, using the reimbursement policy, the transport sub-purse as a second destination electronic reimbursement account for a second credit associated with the second claim; and

transmitting, by the multi-purse transaction system, second instructions to credit the second destination electronic reimbursement account for the second claim.

Assignments (3)

Continuity (5)

References Cited (234)