US 11,810,166 B2
Systems and methods for managing employee-liable expenses
Carl N. Friedholm, Greer, SC (US); and Angela Melissa Taylor, Inman, SC (US)
Assigned to CASS INFORMATION SYSTEMS, INC., Bridgeton, MO (US)
Filed by Cass Information Systems, Inc., Bridgeton, MO (US)
Filed on Sep. 8, 2022, as Appl. No. 17/930,697.
Application 15/975,261 is a division of application No. 13/740,929, filed on Jan. 14, 2013, granted, now 9,978,087, issued on May 22, 2018.
Application 17/930,697 is a continuation of application No. 17/071,842, filed on Oct. 15, 2020, granted, now 11,488,217.
Application 17/071,842 is a continuation of application No. 15/975,261, filed on May 9, 2018, granted, now 10,839,434, issued on Nov. 17, 2020.
Application 13/740,929 is a continuation in part of application No. 13/469,341, filed on May 11, 2012, granted, now 8,744,935, issued on Jun. 3, 2014.
Claims priority of provisional application 61/605,008, filed on Feb. 29, 2012.
Prior Publication US 2023/0005030 A1, Jan. 5, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/04 (2012.01); G06Q 40/12 (2023.01)
CPC G06Q 30/04 (2013.01) [G06Q 40/12 (2013.12)] 20 Claims
OG exemplary drawing
 
20. At least one non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by at least one processor in communication with a memory device having stored therein, for each of a plurality of individuals, (i) an identifier associated with one of a plurality of financial institutions, each financial institution associated with a data format for single deposits into multiple accounts, (ii) an identifier for a personal account associated with the individual and the identified financial institution, (iii) an identifier associated with a service provider, and (iv) an identifier for a service account associated with the identified service provider, wherein the service account is configured by the service provider for billing to the individual, the computer-executable instructions cause the at least one processor to:
generate a first data file associated with a predefined time period, wherein the first data file includes data that identifies an aggregated amount based on the service accounts to be paid by a benefit provider within the predefined time period for application to the personal accounts of the individuals associated with each respective service provider;
provide access, via the Internet, to the first data file to a client application executing on a benefit provider computing device associated with the benefit provider, wherein the first data file is presentable to the client application in a predefined format that is compatible with record-keeping software utilized by the benefit provider;
receive, via the Internet from the client application executing on the benefit provider computing device, approval from the benefit provider for payment on at least a portion of each of the aggregated amounts included in the first data file;
in response to receiving the approval, provide data configured to generate a request for funds from the benefit provider equal to at least a total of the respective approved amounts included in the first data file;
generate a plurality of data structures associated with the predefined time period, each data structure corresponding to a respective financial institution, wherein each data structure includes data that (i) designates for transfer to the financial institution funds associated with the approved amounts for the individuals having personal accounts associated with the respective financial institution, and (ii) instructs the financial institution to allocate the designated funds among the personal accounts associated with the respective service provider based on the associated personal account identifier and an amount associated with each individual account, and wherein each data structure is in the data format associated with the respective financial institution for single deposits into multiple accounts; and
transmit each of the plurality of data structures to the corresponding financial institution.