US 12,217,290 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 Informations Systems, Inc., Bridgeton, MO (US)
Filed by Cass Information Systems, Inc., Bridgeton, MO (US)
Filed on Oct. 13, 2023, as Appl. No. 18/486,778.
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 18/486,778 is a continuation of application No. 17/930,697, filed on Sep. 8, 2022, granted, now 11,810,166.
Application 17/930,697 is a continuation of application No. 17/071,842, filed on Oct. 15, 2020, granted, now 11,488,217, issued on Nov. 1, 2022.
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 2024/0037614 A1, Feb. 1, 2024
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 a computer system for generating a plurality of data structures, the computer system including a processor, the computer-executable instructions cause the 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 a plurality of service accounts to be paid by a benefit provider within the predefined time period for application to a plurality of personal accounts of a plurality of 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 and generated in a data format associated with the respective financial institution for single deposits into multiple accounts, wherein each data structure includes data that (i) designates funds for transfer to the financial institution, the funds associated with the approved amounts for the plurality of 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 an amount associated with each individual account; and
transmit each of the plurality of data structures to the corresponding financial institution.