FLEXIBLE SPENDING ACCOUNT PROVISION SYSTEM

摘要

Systems and methods for providing a flexible spending account (FSA) include receiving, from a user, user information and a purchase request to make a purchase from a merchant. A payment is then made for at least a portion of the purchase by transferring funds over the network from a user FSA to a merchant account. Payment detail information such as, for example, a receipt, is then received over the network from the merchant in response to making the payment. The payment detail information is then sent over the network to an FSA provider that provides the user FSA. If the FSA provider analyzes the payment detail information and determines that the payment made using the user FSA includes an item that is an unqualified expense, funds from a user secondary account may be transferred to the user FSA to reimburse the user FSA.

主权项

1. A system, comprising:
a non-transitory memory storing user information that is associated with a user flexible spending account (FSA) provided by an FSA provider; one or more hardware processors coupled to the memory and operable to read instructions from the memory to perform the steps of:
receiving, over a network from a user device, the user information and a purchase request to make a purchase from a merchant;making a payment for at least a portion of the purchase by transferring funds over the network from the user FSA associated with the user information to a merchant account associated with the merchant;receiving payment detail information over the network from a merchant device associated with the merchant in response to making the payment; andproviding the payment detail information over the network to an FSA provider device associated with the FSA provider.