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公开(公告)号：US20070185801A1
公开(公告)日：2007-08-09
申请号：US11461392
申请日：2006-07-31
Applicant: Sarah Harrison , Jason Jagatic , Sunil Sachdev
Inventor： Sarah Harrison , Jason Jagatic , Sunil Sachdev
IPC: G06Q40/00
CPC classification number: G06F19/328 , G06F19/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0226 , G06Q30/0261 , G06Q30/0269 , G06Q40/00 , G06Q40/06 , G06Q40/10
Abstract: A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense.
Abstract translation: 一种计算机实现的方法和系统，其利用至少第一和第二卡成员使用与单个税收优势帐户相关联的相应交易工具进行购买。 在主计算机处接收来自商家的请求，其由第一卡片成员向使用第一交易工具的交易的有利税帐户收取购买费用。 确定第一个会员费用是否适用于具有税收优惠的费用。 只有在第一个会员费用被确定为具有税收优惠的费用时，税收优惠账户将被记入与第一个会员费用相关的积分。 从商家收到请求，以使用第二交易工具对第二个卡会员对具有税收优惠的帐户进行交易。 确定第二个会员费用是否适用于具有税收优惠的费用。 只有在第二个卡会员费用被确定为适用于有关税收优惠的费用时，税收优惠账户将被记入与第二个会员费用相关的积分。
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公开(公告)号：US20070011025A1
公开(公告)日：2007-01-11
申请号：US11275403
申请日：2005-12-29
Applicant: Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
Inventor： Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
Abstract: A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.
Abstract translation: 一种用于促进购买的计算机实现的方法，包括：在第一主计算机处接收来自提供商的用于向购买者收费的支付授权的请求; 检查耦合到第一主计算机的数据库以获取关于购买者的信息; 向与所述提供者相关联的第二主计算机提供关于所述购买者的信息; 在第一主机上从第三主机接收关于向买方谈判的费用金额的信息; 向供应商投标协商费用; 并从买方的账户中扣除不超过谈判的费用金额的金额。
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公开(公告)号：US07590557B2
公开(公告)日：2009-09-15
申请号：US11461392
申请日：2006-07-31
Applicant: Sarah E. Harrison , Jason S. Jagatic , Sunil Sachdev
Inventor： Sarah E. Harrison , Jason S. Jagatic , Sunil Sachdev
IPC: G06F17/60
CPC classification number: G06F19/328 , G06F19/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0226 , G06Q30/0261 , G06Q30/0269 , G06Q40/00 , G06Q40/06 , G06Q40/10
Abstract: A computer-implemented arrangement facilitates purchases by multiple cardmembers using respective transaction instruments, each transaction instrument being associated with a single tax-advantaged account. A merchant's requested payment from a point of sale device for a purchase by a cardmember against the tax-advantaged account is received by a host computer system, which determines whether the requested charge is associated with a tax-advantaged qualified expense. The tax-advantaged account is credited with points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense. This process occurs for all other cardmembers making transactions associated with the same tax-advantaged account.
Abstract translation: 计算机实施的安排便于使用相应的交易工具的多个成员进行购买，每个交易工具都与一个具有税收优势的账户相关联。 商人从销售点设备要求的由卡会员针对有利税的帐户购买的付款由主计算机系统接收，主计算机系统确定所请求的费用是否与税收优惠的合格费用相关联。 只有当费用确定为适用于有税收优惠的费用时，税收优惠账户才会记入与收费价值相关的积分。 此过程发生在所有其他成员与相同的税收优势账户相关联的交易中。
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公开(公告)号：US20080201176A1
公开(公告)日：2008-08-21
申请号：US11675456
申请日：2007-02-15
Applicant: Mark Keck , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
Inventor： Mark Keck , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
IPC: G06Q40/00
Abstract: A method and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a method which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can resulted from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.
Abstract translation: 描述了一种方法和计算机程序产品，用于将登记在健康计划中的卡成员的资格信息的验证与根据健康计划支付所使用的服务所需的支付账户进行整合。 本发明将卡成员信息集成到为卡成员使用的服务提供支付能力的方法中。 本发明将基本患者资格信息编码到卡片磁条上。 这有助于克服基于纸张或无纸化电子过程可能导致的任何手动数据输入错误。 本发明提供了完成涉及医疗服务提供者，患者和付款人在单次刷卡中的交易的能力。
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公开(公告)号：US20100070409A1
公开(公告)日：2010-03-18
申请号：US12558386
申请日：2009-09-11
Applicant: Sarah E. Harrison , Jason S. Jagatic , Sunil Sachdev
Inventor： Sarah E. Harrison , Jason S. Jagatic , Sunil Sachdev
IPC: G06Q40/00
CPC classification number: G06F19/328 , G06Q20/10 , G06Q30/02
Abstract: A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense.
Abstract translation: 一种计算机实现的方法和系统，其利用至少第一和第二卡成员使用与单个税收优势帐户相关联的相应交易工具进行购买。 在主计算机处接收来自商家的请求，其由第一卡片成员向使用第一交易工具的交易的有利税帐户收取购买费用。 确定第一个会员费用是否适用于具有税收优惠的费用。 只有在第一个会员费用被确定为具有税收优惠的费用时，税收优惠账户将被记入与第一个会员费用相关的积分。 从商家收到请求，以使用第二交易工具对第二个卡会员对具有税收优惠的帐户进行交易。 确定第二个会员费用是否适用于具有税收优惠的费用。 只有在第二个卡会员费用被确定为适用于有关税收优惠的费用时，税收优惠账户将被记入与第二个会员费用相关的积分。
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Patent Agency Ranking
公开(公告)号：US20080201165A1
公开(公告)日：2008-08-21
申请号：US11675438
申请日：2007-02-15
Applicant: MARK KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
Inventor： MARK KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
Abstract: A system and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a Practice Management System which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can result from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.
Abstract translation: 描述了一种系统和计算机程序产品，用于将登记在健康计划中的卡片成员的资格信息的验证与支付根据健康计划所使用的服务支付的支付账户进行整合。 本发明将卡成员信息集成到为卡成员使用的服务提供支付能力的实践管理系统。 本发明将基本患者资格信息编码到卡片磁条上。 这有助于克服基于纸张或无纸化电子过程可能导致的任何手动数据输入错误。 本发明提供了完成涉及医疗服务提供者，患者和付款人在单次刷卡中的交易的能力。
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公开(公告)号：US20080183627A1
公开(公告)日：2008-07-31
申请号：US11698955
申请日：2007-01-29
Applicant: Sarah Harrison , Mark Keck , Sunil Sachdev , Margaret A. Miller
Inventor： Sarah Harrison , Mark Keck , Sunil Sachdev , Margaret A. Miller
CPC classification number: G06F19/328 , G06Q20/02 , G06Q20/20 , G06Q20/3674 , G06Q50/22
Abstract: A system, method and computer program product for linking healthcare purchases to tax advantaged accounts by means of a card containing a card member's data. The system assists in substantiating eligible expenses for participating card holders. The system leverages existing data feeds. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster substantiation of claims and hence, improving customer satisfaction. The individual card member, the card company and a service providing merchant can also communicate through a common platform like a third party website to manually substantiate any pending claims corresponding to purchases. The invention circumvents the need for a card member to use electronic payment cards at only eligible health care merchants and assists individual card members in getting benefits for eligible purchases made using the electronic card at non-healthcare merchants.
Abstract translation: 一种系统，方法和计算机程序产品，用于通过包含卡成员数据的卡将医疗保健购买与有利税的账户相关联。 该系统协助参与持卡人证明合格费用。 该系统利用现有的数据源。 通过标记合格的购买，本发明有助于回扣/索赔过程的自动化，从而导致权利要求更快的证实，从而提高客户满意度。 个人卡会员，卡片公司和提供服务的商家也可以通过诸如第三方网站的通用平台进行通信，以手动证实与购买相对应的任何未决索赔。 本发明规避了卡会员仅在符合条件的医疗保健商家使用电子支付卡的需要，并协助个人卡片会员在非医疗保健商户使用电子卡进行合格购买的利益。
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公开(公告)号：US20070194108A1
公开(公告)日：2007-08-23
申请号：US11461356
申请日：2006-07-31
Applicant: Ahana Kalappa , Jason Jagatic , Sunil Sachdev , Mark Keck , Todd Reynders , Christopher Cracchiolo , Shari Pincock
Inventor： Ahana Kalappa , Jason Jagatic , Sunil Sachdev , Mark Keck , Todd Reynders , Christopher Cracchiolo , Shari Pincock
IPC: G06F7/08
CPC classification number: G06Q40/00
Abstract: A computer-implemented method and system to facilitate a purchase. A request for payment for a charge by a provider to a customer having a plurality of accounts is received at a host computer. At least one of the accounts qualifies for pre-tax treatment and at least one account does not qualify for pre-tax treatment. A hold is placed on funds in one or more of the plurality of accounts sufficient to cover the charge. The host determines whether the charge qualifies for pre-tax treatment. If the charge qualifies for pre-tax treatment, then at least the account qualifying for pre-tax treatment is debited for some or all of the charge.
Abstract translation: 计算机实现的方法和系统，以方便购买。 在主计算机上接收由提供商向具有多个帐户的客户收取费用的请求。 至少有一个账户有资格获得税前待遇，至少有一个帐户不符合税前待遇。 在多个帐户中的一个或多个帐户中的资金被搁置，足以支付费用。 主持人确定收费是否符合税前待遇。 如果收费符合税前待遇，则至少有资格获得税前待遇的账户将被扣除部分或全部费用。
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公开(公告)号：US07970626B2
公开(公告)日：2011-06-28
申请号：US11275403
申请日：2005-12-29
Applicant: Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
Inventor： Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
Abstract: A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.
Abstract translation: 一种用于促进购买的计算机实现的方法，包括：在第一主计算机处接收来自提供商的用于向购买者收费的支付授权的请求; 检查耦合到第一主计算机的数据库以获取关于购买者的信息; 向与所述提供者相关联的第二主计算机提供关于所述购买者的信息; 在第一主机上从第三主机接收关于向买方谈判的费用金额的信息; 向供应商投标协商费用; 并从买方的账户中扣除不超过谈判的费用金额的金额。
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公开(公告)号：US20090006135A1
公开(公告)日：2009-01-01
申请号：US11768708
申请日：2007-06-26
Applicant: Mark KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller , Sachin Joshi
Inventor： Mark KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller , Sachin Joshi
IPC: G06Q40/00
CPC classification number: G06Q40/08 , G06Q10/06 , G06Q20/102
Abstract: A method for accelerating a payment to a merchant for a healthcare related claim. The method comprises submitting a healthcare related claim for payment from the merchant to a payer; determining at the payer whether the member is eligible for services covered as a part of his or her healthcare plan. If the member is determined to be eligible for payment of claim(s) submitted, then a financial institution is notified of an estimated amount of liability for the claim. At least a portion of the estimated amount of liability for the claim is paid to the merchant by the financial institution. The financial institution thereafter receives a reimbursement/payment from a healthcare finding source for the adjudicated amount of liability for the claim. Once the claim is adjudicated, a healthcare management system reconciles with the merchant for any under or over payment.
Abstract translation: 一种用于加速对与医疗保健相关的权利要求的商家的支付的方法。 所述方法包括向所述付款者提交与所述商家的支付有关的医疗保健相关索赔; 在付款人确定会员是否符合作为其医疗保健计划一部分的服务资格。 如果该成员被确定有资格支付所提交的索赔，则向金融机构通知索赔的估计赔偿额。 至少一部分索赔责任估计金额由金融机构支付给商人。 此后，金融机构从医疗保健发现来源收到索赔责任金额的报销/付款。 一旦索赔被裁定，医疗保健管理系统与商家进行协调，以支付任何欠款或超付款。
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