Patent ID: 9589266
Date: 2017-03-07
CPC Classifications: G06F,G06K,G06Q

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.