Systems and methods for multi-purse debit card

Abstract

The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account.

What is claimed is: 
     
         1 . A system, comprising:
 one or more processors, coupled with memory, to:   conduct, via a secure network protocol and responsive to a selection of a first purse of a plurality of purses of an electronic account, a first portion of a plurality of portions of a first electronic transaction to transfer a first amount of the first electronic transaction from the first purse of the electronic account and provide the first amount to an entity;   determine a reimbursement amount based on the first amount of the first electronic transaction that satisfies a threshold for a time interval established for the electronic account;   select, responsive to the determination of the reimbursement amount for the time interval and based on the preconfigured mapping of the electronic account, for a second portion of the plurality of portions of the first electronic transaction, a second purse of the plurality of purses instead of the first purse for receipt of the reimbursement amount, the second purse configured to allow transfers of unrestricted funds that is different from the first purse from which the first amount is transferred to the entity;   conduct, responsive to the selection of the second purse, the second portion of the first electronic transaction to transfer the reimbursement amount to the second purse with unrestricted funds; and   transmit, responsive to completion of the first electronic transaction with at least two of the plurality of purses as a single transaction at the entity via the secure network protocol, a notification to a client device linked to the electronic account that indicates transfer of the reimbursement amount to the second purse with unrestricted funds.   
     
     
         2 . The system of  claim 1 , comprising:
 the one or more processors to select, based on a first category associated with the first electronic transaction and a preconfigured mapping of categories to the plurality of purses in the electronic account, the first purse of the plurality of purses allocated to the electronic account, the first purse configured to allow transfers of funds exempt from payroll tax deductions to be used to conduct approved transactions.   
     
     
         3 . The system of  claim 1 , comprising:
 the one or more processors to receive, from a first device of the entity external and remote from the one or more processors, via a secure network protocol established using encryption, a one or more data packets generated by the first device to conduct the first electronic transaction comprising the plurality of portions, the one or more data packets comprising: i) an identifier of a first category of transactions, ii) an identifier of the electronic account, and iii) an indication of the first amount of the first electronic transaction.   
     
     
         4 . The system of  claim 1 , comprising:
 the one or more processors to transmit the notification to the client device via a short message service (“SMS”) protocol.   
     
     
         5 . The system of  claim 1 , comprising the one or more processors to:
 use a first policy to select the first purse based on a first category associated with the first electronic transaction and a preconfigured mapping of categories to the plurality of purses in the electronic account; and   use a second policy to determine the reimbursement amount based at least in part on the first amount of the first electronic transaction and the time interval.   
     
     
         6 . The system of  claim 1 , comprising:
 the one or more processors to use a policy to determine the reimbursement amount based on the first amount of the first electronic transaction and the time interval, wherein the policy limits a total reimbursement amount for a first category associated with the first electronic transaction within the time interval.   
     
     
         7 . The system of  claim 1 , comprising:
 the one or more processors to determine, responsive to a request from the client device associated with the electronic account, to transmit the notification pursuant to the first electronic transaction.   
     
     
         8 . The system of  claim 1 , comprising:
 the one or more processors to select the first purse responsive to a determination that a first category associated with the first electronic transaction corresponds to a prescription purchase.   
     
     
         9 . The system of  claim 1 , comprising the one or more processors to:
 receive a request to conduct a second electronic transaction at the entity;   determine, based at least in part on a second category associated with the second electronic transaction, to use the second purse with unrestricted funds to conduct the second electronic transaction; and   conduct, responsive to the determination to use the second pursue, the second electronic transaction to transfer funds from the second purse to the entity.   
     
     
         10 . The system of  claim 1 , comprising the one or more processors to:
 receive a request from the client device for information about the electronic account;   authenticate the request from the client device based on credentials associated with the request;   access a data record in memory for the electronic account, the data record comprising a first available amount for the first purse and a second available amount for the second purse; and   provide, for display on the client device, a second notification that indicates the first available amount and the second available amount.   
     
     
         11 . A method, comprising:
 conducting, by one or more processors coupled with memory, via a secure network protocol and responsive to a selection of a first purse of a plurality of purses of an electronic account, a first portion of a plurality of portions of a first electronic transaction to transfer a first amount of the first electronic transaction from the first purse of the electronic account and provide the first amount to an entity;   determining, by the one or more processors, a reimbursement amount based on the first amount of the first electronic transaction that satisfies a threshold for a time interval established for the electronic account;   selecting, by the one or more processors, responsive to the determination of the reimbursement amount for the time interval and based on the preconfigured mapping of the electronic account, for a second portion of the plurality of portions of the first electronic transaction, a second purse of the plurality of purses instead of the first purse for receipt of the reimbursement amount, the second purse configured to allow transfers of unrestricted funds that is different from the first purse from which the first amount is transferred to the entity;   conducting, by the one or more processors, responsive to the selection of the second purse, the second portion of the first electronic transaction to transfer the reimbursement amount to the second purse with unrestricted funds; and   transmitting, by the one or more processors, responsive to completion of the first electronic transaction with at least two of the plurality of purses as a single transaction at the entity via the secure network protocol, a notification to a client device linked to the electronic account that indicates transfer of the reimbursement amount to the second purse with unrestricted funds.   
     
     
         12 . The method of  claim 11 , comprising:
 selecting, by the one or more processors, based on a first category associated with the first electronic transaction and a preconfigured mapping of categories to the plurality of purses in the electronic account, the first purse of the plurality of purses allocated to the electronic account, the first purse configured to allow transfers of funds exempt from payroll tax deductions to be used to conduct approved transactions.   
     
     
         13 . The method of  claim 11 , comprising:
 receiving, by the one or more processors, from a first device of the entity external and remote from the one or more processors, via a secure network protocol established using encryption, a one or more data packets generated by the first device to conduct the first electronic transaction comprising the plurality of portions, the one or more data packets comprising: i) an identifier of a first category of transactions, ii) an identifier of the electronic account, and iii) an indication of the first amount of the first electronic transaction.   
     
     
         14 . The method of  claim 11 , comprising:
 transmitting, by the one or more processors, the notification to the client device via a short message service (“SMS”) protocol.   
     
     
         15 . The method of  claim 11 , comprising:
 using, by the one or more processors, a first policy to select the first purse based on a first category associated with the first electronic transaction and a preconfigured mapping of categories to the plurality of purses in the electronic account; and   using, by the one or more processors, a second policy to determine the reimbursement amount based at least in part on the first amount of the first electronic transaction and the time interval.   
     
     
         16 . The method of  claim 11 , comprising:
 using, by the one or more processors, a policy to determine the reimbursement amount based on the first amount of the first electronic transaction and the time interval, wherein the policy limits a total reimbursement amount for a first category associated with the first electronic transaction within the time interval.   
     
     
         17 . The method of  claim 11 , comprising:
 determining, by the one or more processors, responsive to a request from the client device associated with the electronic account, to transmit the notification pursuant to the first electronic transaction.   
     
     
         18 . The method of  claim 11 , comprising:
 receiving, by the one or more processors, a request to conduct a second electronic transaction at the entity;   determining, by the one or more processors, based at least in part on a second category associated with the second electronic transaction, to use the second purse with unrestricted funds to conduct the second electronic transaction; and   conducting, by the one or more processors, responsive to the determination to use the second pursue, the second electronic transaction to transfer funds from the second purse to the entity.   
     
     
         19 . A non-transitory computer readable medium storing processor-executable instructions that, when executed by one or more processors, cause the one or processors to:
 conduct, via a secure network protocol and responsive to a selection of a first purse of a plurality of purses of an electronic account, a first portion of a plurality of portions of a first electronic transaction to transfer a first amount of the first electronic transaction from the first purse of the electronic account and provide the first amount to an entity;   determine a reimbursement amount based on the first amount of the first electronic transaction that satisfies a threshold for a time interval established for the electronic account;   select, responsive to the determination of the reimbursement amount for the time interval and based on the preconfigured mapping of the electronic account, for a second portion of the plurality of portions of the first electronic transaction, a second purse of the plurality of purses instead of the first purse for receipt of the reimbursement amount, the second purse configured to allow transfers of unrestricted funds that is different from the first purse from which the first amount is transferred to the entity;   conduct, responsive to the selection of the second purse, the second portion of the first electronic transaction to transfer the reimbursement amount to the second purse with unrestricted funds; and   transmit, responsive to completion of the first electronic transaction with at least two of the plurality of purses as a single transaction at the entity via the secure network protocol, a notification to a client device linked to the electronic account that indicates transfer of the reimbursement amount to the second purse with unrestricted funds.   
     
     
         20 . The non-transitory computer readable medium of  claim 19 , wherein the processor-executable instructions further comprise instructions to:
 select, based on a first category associated with the first electronic transaction and a preconfigured mapping of categories to the plurality of purses in the electronic account, the first purse of the plurality of purses allocated to the electronic account, the first purse configured to allow transfers of funds exempt from payroll tax deductions to be used to conduct approved transactions.