{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11244405","patent":{"patent_number":"US-11244405","title":"Systems and methods for multi-purse debit card","assignee":null,"inventors":[],"filing_date":"2015-07-22T00:00:00.000Z","publication_date":"2022-02-08T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":18,"abstract":"The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for multi-purse debit card","description":"The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account mai","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11244405","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11244405","citation_suggestion":"Patentable. \"Systems and methods for multi-purse debit card\" (US-11244405). https://patentable.app/patents/US-11244405","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11244405","json":"https://patentable.app/api/llm-context/US-11244405","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T09:14:47.137Z"}