Systems and methods for allocating resources via information technology infrastructure

A system, comprising:

• a server-side platform of a network environment comprising a transaction system including a communications interface configured with one or more communications ports and one or more network protocols to receive and process data packets via a computer network and using one or more application programming interfaces (APIs), the data packets including header information and payload information, and the server-side platform further including one or more engines comprising at least a policy engine and a transaction engine to process the payload information and generate instructions for reimbursement and to transmit, via the one or more APIs, electronic notifications in real-time relative to the received data packets, wherein the server-side platform comprises one or more processors, coupled with memory, configured to:
• store, in one or more non-transitory databases of the server-side platform, a plurality of structured electronic account records comprising an electronic benefits account record, at least one of the plurality of structured electronic account records including an account-level parameter, a purse-level sub-structure, and in-process transaction data maintained separately from posted ledger balances, wherein the server-side platform accesses and causes an update to the structured electronic account records during a real-time claim adjudication session;
• receive, via the communications interface, from one or more servers remote from the server-side platform, one or more response packets indicating whether an item corresponding to an electronic transaction conducted at a terminal device at a merchant is approved for an amount of expenditures qualifying under an electronic benefits account associated with the electronic benefits account record;
• maintain, responsive to receipt of the one or more response packets indicating whether the item is approved for an amount of expenditures qualifying under the electronic benefits account, an in-process transaction data structure in a non-transitory database of the server-side platform, the in-process transaction data structure comprising a real-time representation of a benefits purse sub-structure of the electronic benefits account record, wherein the in-process transaction data structure is updated in accordance with the approved amount and is maintained separately from posted ledger balances to reflect a real-time adjudication status of the benefits purse sub-structure;
• receive, via the communications interface and a first application programming interface (API) configured for mobile reimbursement interactions, one or more data packets transmitted from a mobile device, the one or more data packets carrying a reimbursement request comprising a structured request payload including at least an identifier of the electronic benefits account represented by the electronic benefits account record and an indication of a reimbursement amount, wherein the server-side platform processes the structured request payload as part of the real-time claim adjudication session, different from processing the reimbursement request in a batch mode that relates to one or more temporary memo-posts of one or more amounts that cause one or more occurrences of one or more erroneous transactions that exceed current amounts in electronic accounts;
• access, as input to the one or more engines and responsive to receipt of the reimbursement request, configuration data associated with the identifier of the electronic benefits account record and the purse-level sub-structure of the electronic benefits account record, the configuration data including one or more of a rule, a parameter, or a policy associated with the electronic benefits account record;
• execute, responsive to receipt of the reimbursement request and during the real-time claim adjudication session, the one or more engines using at least the configuration data as input and further using the in-process transaction data structure to process the reimbursement request comprising the structured request payload and generate output indicating an adjudication result indicating authorization or denial of the reimbursement request;
• determine, based on the execution of the one or more engines to process the reimbursement request comprising the structured request payload and in real-time relative to receipt of the reimbursement request, an authorized reimbursement amount;
• select, responsive to the adjudication result indicating authorization of the reimbursement request by the one or more engines and based on at least the configuration data, a selected purse-level sub-structure from which to obtain funds for the reimbursement amount, wherein the selected purse-level sub-structure is selected from the electronic benefits account record;
• identify, responsive to the adjudication result indicating authorization of the reimbursement request, an electronic identifier of an account destination to which to transfer the authorized reimbursement amount, wherein the account destination is identified from an electronic reimbursement account record associated with the electronic benefits account, and the account destination is configured to allow transactions for non-qualifying benefits account expenditures;
• provide, in real-time relative to receipt of the reimbursement request and responsive to the authorized reimbursement amount, via the communications interface via a second application programming interface (API) of the one or more APIs configured for reimbursement transactions, one or more instruction data packets comprising header information and payload information, the payload information including at least (i) the electronic identifier of the account destination and (ii) the authorized reimbursement amount, wherein the one or more instruction data packets include one or more instructions that cause an update of the account destination with the authorized reimbursement amount based on funds obtained from the selected purse-level sub-structure;
• and
• transmit, in real-time relative to providing the one or more instruction data packets that cause the update of the account destination, via the communications interface to the mobile device, one or more notification data packets comprising header information and payload information, the payload information including at least (i) the authorized reimbursement amount and (ii) an indication related to the provision of the instruction data packets to cause the update of the account destination with the authorized reimbursement amount using the funds obtained from the selected purse-level sub-structure.

A system comprising:

• a server-side platform of a network environment comprising one or more engines configured to process electronic requests and transmit electronic notifications as a real-time transaction comprising a real-time adjudication to generate and transmit instructions for reimbursement and one or more electronic notifications during transaction processing, the server-side platform configured with a communications interface to interact with a plurality of heterogeneous devices using a plurality of application programming interfaces (APIs), wherein the server-side platform comprises one or more processors, coupled with memory, configured to:
• store, in a database of the server-side platform, a plurality of electronic account data structures, wherein each of the plurality of electronic account data structures comprises one or more account-level policies and a plurality of sub-structures, each sub-structure of the plurality of sub-structures defining a purse of a different type and including one or more purse-level policies corresponding to the respective purse, wherein at least one of the plurality of sub-structures defines a benefits purse;
• receive, via the communications interface, from one or more servers remote from the server-side platform, a plurality of indications of eligibility, each indication of the plurality of indications of eligibility corresponding to a respective electronic transaction conducted at a respective terminal device at a respective merchant to obtain funds from a respective benefits purse of a respective sub-structure of a respective electronic account data structure of the plurality of electronic account data structures stored in the database;
• maintain, responsive to receipt of each indication of the plurality of indications of eligibility, in the database, the respective sub-structure that defines the respective benefits purse of the respective electronic account data structure, in accordance with the funds obtained to conduct the respective electronic transaction at the respective terminal device;
• receive, by the communications interface from a plurality of mobile devices of the plurality of heterogeneous devices, via a first API of the plurality of APIs, a plurality of requests for reimbursement, wherein the server-side platform processes a reimbursement for each of the plurality of requests in real-time relative to the respective request, different from processing the plurality of requests for reimbursement in a batch mode that relates to one or more temporary memo-posts of one or more amounts that cause one or more occurrences of one or more erroneous transactions that exceed current amounts in electronic accounts, and wherein for each of the plurality of requests for reimbursement, the server-side platform is further configured to:
• retrieve, as input to the one or more engines, responsive to receipt of the request for reimbursement, a respective one or more account-level policies for a respective electronic account data structure of the plurality of electronic account data structures and a respective one or more purse-level policies corresponding to a respective purse of the plurality of sub-structures;
• generate, in real-time relative to the request for reimbursement, by the one or more engines using the input of the respective one or more account-level policies and the respective one or more purse-level policies, an output related to adjudication of the request;
• determine, responsive to the output related to the adjudication of the request for reimbursement, by the one or more engines, in real-time relative to receipt of the request for reimbursement, to authorize a reimbursement amount related to the request for reimbursement;
• select, based on the output related to the adjudication of the request by the one or more engines, a respective one of the plurality of sub-structures stored in the database of the server-side platform from which to obtain funds for the reimbursement amount;
• identify, using a configuration associated with the respective electronic account data structure, a respective electronic identifier of a respective user specified account destination to which to provide the reimbursement amount, the respective user specified account destination configured to allow transactions other than for qualifying benefits accounts expenditures;
• provide, in real-time relative to receipt of the request for reimbursement, by the communications interface via a second API of the plurality of APIs configured for reimbursement transactions, first data packets carrying data and the respective electronic identifier used to update the respective user specified account destination with the reimbursement amount from the selected respective one of the plurality of sub-structures, the respective user specified account destination configured to allow transactions other than for qualifying benefits accounts expenditures;
• and
• transmit, in real-time relative to providing the first data packets, via the communications interface to a respective mobile device of the plurality of mobile devices, one or more second data packets carrying payload data indicating notification of the reimbursement amount, wherein the one or more second data packets cause the respective mobile device to display the notification of the reimbursement amount.

A system, comprising:

• a server-side platform of a network environment comprising a transaction system including a communications interface configured with one or more communications ports and one or more network protocols to receive and process data packets via a computer network and using one or more application programming interfaces (APIs), the data packets including header information and payload information, and the server-side platform further including one or more engines comprising at least a policy engine and a transaction engine to process the payload information to generate instructions to transmit, via the one or more APIs, one or more electronic notifications in real-time relative to the received data packets, wherein the server-side platform comprises one or more processors, coupled with memory, configured to:
• store, in one or more non-transitory databases of the server-side platform, a plurality of structured electronic account records comprising an electronic account record of a first type and a second electronic account record of a second type, at least one of the plurality of structured electronic account records including a parameter, a sub-structure, and in-process transaction data maintained separately from posted ledger balances, wherein the server-side platform accesses and causes an update to the plurality of structured electronic account records during a real-time session;
• receive, via the communications interface, from one or more servers remote from the server-side platform, one or more response packets indicating whether an item corresponding to an electronic transaction conducted at a terminal device is approved for an amount of expenditures qualifying under an electronic account associated with the electronic account record of the first type;
• maintain, responsive to receipt of the one or more response packets indicating whether the item is approved for an amount of expenditures qualifying under the electronic account, an in-process transaction data structure in a non-transitory database of the server-side platform, the in-process transaction data structure comprising a real-time representation of the sub-structure, wherein the in-process transaction data structure is updated in accordance with the approved amount and is maintained separately from posted ledger balances to reflect a real-time status;
• receive, via the communications interface and a first application programming interface (API) configured for mobile interactions, one or more data packets transmitted from a mobile device, the one or more data packets carrying a request comprising a structured request payload including at least an identifier associated with the electronic account and an indication of an amount, wherein the server-side platform processes the structured request payload as part of a real-time session, different from processing the request in a batch mode that relates to one or more temporary memo-posts of one or more amounts that cause one or more occurrences of one or more erroneous transactions that exceed current amounts in electronic accounts;
• access, to provide as input to the one or more engines and responsive to receipt of the request, configuration data associated with the electronic account record of the first type and one or more sub-structures of the electronic account record of the first type, the configuration data including one or more of a rule, a parameter, or a policy associated with the electronic account record of the first type;
• execute, responsive to receipt of the request and during the real-time session, the one or more engines using at least the configuration data as input and further using the in-process transaction data structure to process the request of the structured request payload and to generate an output indicating a result of authorization or denial of the request;
• determine, based on the execution of the one or more engines to process the request and in real-time relative to receipt of the request, an authorized amount;
• select, responsive to the result indicating authorization of the request by the one or more engines and based on at least the configuration data, a selected sub-structure from which to obtain funds for the amount, wherein the selected sub-structure is selected from the one or more sub-structures of the electronic account record of the first type;
• identify, responsive to the result indicating authorization of the request, an electronic identifier of an account destination to which to transfer the authorized amount, wherein the account destination is identified from the second electronic account record of the second type associated with the electronic account, and the account destination is configured to allow transactions other than for qualifying benefits account expenditures;
• provide, in real-time relative to receipt of the request and responsive to the authorized amount, via the communications interface via a second application programming interface (API) of the one or more APIs configured for transactions, first data packets comprising header information and payload information, the payload information including at least (i) the electronic identifier of the account destination and (ii) the authorized amount, wherein the first data packets include one or more instructions that cause an update of the account destination with the authorized amount based on funds obtained from the selected sub-structure;
• and
• transmit, in real-time relative to providing the first data packets, via the communications interface to the mobile device, one or more notification data packets comprising header information and payload information, the payload information including at least (i) the authorized amount and (ii) an indication related to the provision of the first data packets to cause the update of the account destination with the authorized amount using the funds obtained from the selected sub-structure.