Linking transaction cards with spending accounts

Details Linking transaction cards with spending accounts Linking transaction cards with spending accounts

2011-03-15

2011-03-15

Le, Thien M (Department: 2887)

Registers

Systems controlled by data bearing records

Credit or identification card systems

C235S380000

Reexamination Certificate

active

07905399

ABSTRACT:
A computer-implemented system and method to facilitate a purchase utilizing a flexible spending account, comprising the steps of: receiving, at a host computer, a request for payment authorization for an item; determining whether the item qualifies for pre-tax treatment; and when the item qualifies for pre-tax treatment: determining at least partial payment authorization for the item, transmitting the at least partial payment authorization for the item to a point of sale device; causing the flexible spending account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization; and debiting a non-flexible spending account for an item not qualifying for pre-tax treatment.

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