Patent ID: 7529700
Filing Date: 2009-05-05
Classification: G06Q

Abstract:
1. A computer implemented method for adjudicating expenses of a transaction administrated by a transaction facility, the method comprising: receiving electronically at the transaction facility a request from a user for adjudicating expenses to be qualified for pretax spending, the user being one of a plurality of users registered with the transaction facility, wherein the transaction facility maintains a pretax account for each of the users for funding the requested adjudication; in response to the requested adjudication, the transaction facility determining whether the adjudicated expenses of a transaction are qualified for pretax spending, including submitting the adjudicated expenses through at least two adjudicating conduits, including a directed payment mechanism to one or more vendors, an expense adjudication mechanism through a portable payment device, and a reimbursement mechanism, wherein the at least two adjudicating conduits include a catalog-based transaction through which a user is able to purchase an item from a catalog maintained by the transaction facility wherein said transaction purchase of said item, wherein the purchased item qualifies for pretax purposes under a government benefit regulation and is purchased using funding deducted from the pretax account associated with the requesting user, and wherein the pretax spending is to be drawn from pretax funding previously set aside by an employer of the user and deducted from a paycheck of the user for services performed for the employer, the pretax funding is set aside prior to paying an income tax of the user from the paycheck; and processing the transaction based on the determination and based on which adjudicating conduit the adjudicated expenses are received.