Systems and methods for managing employee-liable expenses

A computer-implemented method for generating a plurality of data structures, the computer-implemented method performed by a computer system including a memory device a processor, the computer implemented method comprising:

• generating 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;
• providing 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;
• receiving, 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, providing 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;
• generating 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
• transmitting each of the plurality of data structures to the corresponding financial institution.

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.