Systems and methods for allocating resources via information technology infrastructure

A method of managing electronic transactions via a computer network, comprising:

• receiving, by a communication interface of a multi-purse transaction system comprising one or more processors coupled with memory, a request to adjudicate a single claim against an electronic benefits account;
• adjudicating, by the multi-purse transaction system, responsive to the communication interface receiving the request to adjudicate the single claim, that, based on one or more policies, the single claim against the electronic benefits account is approved for an amount of expenditures qualifying under the electronic benefits account,
• wherein the adjudication is performed in real-time instead of adjudication in a batch process,
• wherein adjudications in the batch process temporarily memo-post amounts that cause one or more occurrences of erroneous transactions that exceed current amounts in electronic accounts;
• identifying, by the multi-purse transaction system, via a configuration of the electronic benefits account maintained by the multi-purse transaction system, a reimbursement policy of the electronic benefits account specifying a list of account destinations for benefits account reimbursements comprising a user- specified set of electronic identifiers, the user-specified set of electronic identifiers corresponding to a plurality of electronic reimbursement accounts comprising
• a first electronic reimbursement account that is maintained remote from the multi-purse transaction system,
• a second electronic reimbursement account that is maintained remote from the multi-purse transaction system and different from the first electronic reimbursement account, and
• a third electronic reimbursement account that is a checking account configured to receive direct deposits;
• selecting, via application of the reimbursement policy to the single claim and from the list comprising the user-specified set of electronic identifiers, one of the user-specified set of electronic identifiers to use as a destination electronic reimbursement account, each of the plurality of electronic reimbursement accounts configured to allow transactions for one or more expenditures that do not qualify under the electronic benefits account;
• transmitting, by the multi-purse transaction system, instructions to credit the destination electronic reimbursement account for the approved amount for the single claim;
• generating, by the multi-purse transaction system in real-time and responsive to the request adjudicated by the multi-purse transaction system and transmitting the instructions to credit the destination electronic reimbursement account with the approved amount for the single claim, a notification relating to the credit to the destination electronic reimbursement account;
• and
• transmitting, by the multi-purse transaction system via the computer network to a device able to display information relating to the electronic benefits account, a first one or more packets carrying data indicating the notification relating to the credit to the destination electronic reimbursement account selected based on the reimbursement policy from the list comprising the user-specified set of electronic identifiers,
• wherein the first one or more packets cause the device to display, via a real-time notification, the indication relating to the credit to the destination electronic reimbursement account to indicate the credit is accessible for subsequent transactions.