- 专利标题: Restricted-use account payment administration apparatuses, methods and systems
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申请号: US16186536申请日: 2018-11-10
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公开(公告)号: US10586236B2公开(公告)日: 2020-03-10
- 发明人: Stacy Sweeney Pourfallah , Shaw Li
- 申请人: Visa International Service Association
- 申请人地址: US CA San Francisco
- 专利权人: VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人: VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人地址: US CA San Francisco
- 代理机构: Loeb & Loeb LLP
- 主分类号: G06Q40/00
- IPC分类号: G06Q40/00 ; G06Q20/40 ; G06Q20/32 ; G06Q40/02 ; G06Q20/36 ; G06Q40/08 ; G06K9/18 ; G06K9/22 ; G06F3/0484
摘要:
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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