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公开(公告)号：US20060149670A1
公开(公告)日：2006-07-06
申请号：US11230761
申请日：2005-09-20
申请人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
发明人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.
摘要翻译： 可以根据本发明的一个实施例实现灵活的支出账户系统，以便自动地证实在零售商商家进行的购买。 例如，根据本发明的一个实施例，可以通过计算机确定消费者在销售点请求购买的产品与灵活支出账户下的合格产品类别相匹配来实现授权购买产品的方法 发送用于请求使用所述消费者的所述灵活支出帐户的授权请求消息，其中所述授权请求消息包括用于第一类型的合格项目的总购买量字段和第一合格数量字段。
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公开(公告)号：US20080010096A1
公开(公告)日：2008-01-10
申请号：US11755713
申请日：2007-05-30
申请人： Barbara Patterson , Stacy Pourfallah , Janet Pruitt , Loc Nguyen , Nigel Smith
发明人： Barbara Patterson , Stacy Pourfallah , Janet Pruitt , Loc Nguyen , Nigel Smith
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06F19/00 , G06Q40/08
摘要： Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.
摘要翻译： 医疗保险覆盖率是使用支付处理系统中的帐户确定的。 构成支付处理系统的传输，包括与支付处理系统相关联的帐户的帐号，通过被保险人提供给患者医疗保险的医疗保健相关商品的描述，以及对财务责任的规定的请求 被保险人所述的医疗相关商品。 从支付处理系统接收到包括所要求的财务责任规范的传输。
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公开(公告)号：US08660862B2
公开(公告)日：2014-02-25
申请号：US11755713
申请日：2007-05-30
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06F19/00 , G06Q40/08
摘要： Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.
摘要翻译： 医疗保险覆盖率是使用支付处理系统中的帐户确定的。 构成支付处理系统的传输，包括与支付处理系统相关联的帐户的帐号，通过被保险人提供给患者医疗保险的医疗保健相关商品的描述，以及对财务责任的规定的请求 被保险人所述的医疗相关商品。 从支付处理系统接收到包括所要求的财务责任规范的传输。
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公开(公告)号：US08560446B2
公开(公告)日：2013-10-15
申请号：US12648054
申请日：2009-12-28
申请人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
发明人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.
摘要翻译： 可以根据本发明的一个实施例实现灵活的支出账户系统，以便自动地证实在零售商商家进行的购买。 例如，根据本发明的一个实施例，可以通过计算机确定消费者在销售点请求购买的产品与灵活支出账户下的合格产品类别相匹配来实现授权购买产品的方法 发送用于请求使用所述消费者的所述灵活支出帐户的授权请求消息，其中所述授权请求消息包括用于第一类型的合格项目的总购买量字段和第一合格数量字段。
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公开(公告)号：US07650308B2
公开(公告)日：2010-01-19
申请号：US11230761
申请日：2005-09-20
申请人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
发明人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.
摘要翻译： 可以根据本发明的一个实施例实现灵活的支出账户系统，以便自动地证实在零售商商家进行的购买。 例如，根据本发明的一个实施例，可以通过计算机确定消费者在销售点请求购买的产品与灵活支出账户下的合格产品类别相匹配来实现授权购买产品的方法 发送用于请求使用所述消费者的所述灵活支出帐户的授权请求消息，其中所述授权请求消息包括用于第一类型的合格项目的总购买量字段和第一合格数量字段。
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公开(公告)号：US20100100484A1
公开(公告)日：2010-04-22
申请号：US12648054
申请日：2009-12-28
申请人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
发明人： Loc Nguyen , Stacy Pourfallah , Janet Pruitt
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.
摘要翻译： 可以根据本发明的一个实施例实现灵活的支出账户系统，以便自动地证实在零售商商家进行的购买。 例如，根据本发明的一个实施例，可以通过计算机确定消费者在销售点请求购买的产品与灵活支出账户下的合格产品类别相匹配来实现授权购买产品的方法 发送用于请求使用所述消费者的所述灵活支出帐户的授权请求消息，其中所述授权请求消息包括用于第一类型的合格项目的总购买量字段和第一合格数量字段。
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公开(公告)号：US20060149603A1
公开(公告)日：2006-07-06
申请号：US11230743
申请日：2005-09-20
申请人： Barbara Patterson , Stacy Pourfallah , Janet Pruitt , Loc Nguyen
发明人： Barbara Patterson , Stacy Pourfallah , Janet Pruitt , Loc Nguyen
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q40/08 , G06Q50/22
摘要： A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a transaction processing system, which routes the eligibility authorization request message to a healthcare processor. A response message is then received.
摘要翻译： 公开了确定医疗保险覆盖资格的方法。 该方法包括在由医疗保健提供者操作的终端处接收患者信息。 创建资格授权请求消息，并将其发送到获取方处理器，其中获取方处理器将资格授权请求消息发送到交易处理系统，交易处理系统将资格授权请求消息路由到医疗保健处理器。 然后接收到响应消息。
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8.发明申请Method for encoding messages between two devices for transmission over standard online payment networks 审中-公开用于在两个设备之间编码消息以在标准在线支付网络上传输的方法公开(公告)号：US20060149529A1
公开(公告)日：2006-07-06
申请号：US11231026
申请日：2005-09-20
申请人： Loc Nguyen , Janet Pruitt , Stacy Pourfallah
发明人： Loc Nguyen , Janet Pruitt , Stacy Pourfallah
CPC分类号： G06Q10/10 , G06F19/328 , G06Q50/22
摘要： A method of using a dictionary of message codes related to health care information is provided. The message codes in the dictionary have corresponding message values. The method includes receiving at least one message value at a first device. The first device then generates at least one message code related to health care information from the at least one message value using corresponding message values from the dictionary. The method also includes transmitting the at least one message code over a payment processing network.
摘要翻译： 提供了一种使用与保健信息相关的消息代码字典的方法。 字典中的消息代码具有相应的消息值。 该方法包括在第一设备处接收至少一个消息值。 然后，第一设备使用来自字典的相应消息值，从至少一个消息值生成与保健信息相关的至少一个消息代码。 该方法还包括通过支付处理网络发送至少一个消息代码。
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公开(公告)号：US20100057621A1
公开(公告)日：2010-03-04
申请号：US12493981
申请日：2009-06-29
CPC分类号： G06F21/6254 , G06F19/328 , G06F21/602 , G06F2221/2135 , G06Q20/04 , G06Q20/3823 , G06Q20/3829 , G06Q40/08
摘要： Healthcare purchase data from a transaction upon a patient's account may be required to be transported and stored for safeguarding patient confidentiality if sufficient to identify the patient and the purchase. To avoid non-compliance, a transaction hander (TH) receives the data from a merchant's acquirer as encrypted by a key known to both the acquirer and TH. After decrypting the data with that key, the TH re-encrypts it with a key known only to the TH, and then stored. After receiving an issuer's request for the data, the TH decrypts the data using its own key, re-encrypts it using a key known only to the TH and the issuer, and then sends it to the issuer who will decrypt the data using that key. The unencrypted data may be used by the issuer to demonstrate the issuer's regulatory compliance to a governmental entity.
摘要翻译： 医疗人员可以要求运输和存储来自患者帐户的交易的医疗保健购买数据，以便在足以识别患者和购买时保护患者的机密性。 为了避免不合规，交易处理者（TH）通过收购方和TH所知的一个密钥对来自商家的收单方的数据进行加密。 在使用该密钥解密数据之后，TH使用只有TH已知的密钥重新加密，然后存储。 在收到发行人对数据的请求后，TH使用其自己的密钥对数据进行解密，然后使用已知的TH和发行者重新加密数据，然后将其发送给使用该密钥解密数据的发行方 。 发行人可以使用未加密的数据来证明发行人对政府实体的合规性。
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公开(公告)号：US20080140447A1
公开(公告)日：2008-06-12
申请号：US11760244
申请日：2007-06-08
IPC分类号： G06Q50/00
摘要： Embodiments of the present invention relate to methods and apparatuses serving to provide assurance that healthcare providers will receive payment for services rendered. In one embodiment, a payment card (or other portable consumer device) provides an extended authorization hold period (for example up to 21 days). This hold period allows the healthcare provider to request authorization for payment from the patient's credit, debit, FSA, HRA, or HSA payment card, submit the insurance claim, and then upon receipt of a health insurance carrier's Explanation of Benefits (EOB) within the hold period, submit for settlement only that amount actually due from the patient. In accordance with an alternative embodiment, pending receipt of the EOB from the insurer, the healthcare provider flags a transaction in a point-of-sale (POS) terminal device or server for storage and delayed submittal over an electronic payment network. Embodiments in accordance with the present invention are particularly applicable to payment of claims in healthcare plans following adjudication by a payer.
摘要翻译： 本发明的实施例涉及用于提供医疗保健提供者将接收对所呈现的服务的支付的保证的方法和装置。 在一个实施例中，支付卡（或其他便携式消费者设备）提供延长的授权保留期限（例如长达21天）。 该持续期允许医务人员从病人的信用卡，借记卡，FSA，HRA或HSA支付卡中请求授权，提交保险索赔，然后在收到健康保险运营商的福利解释（EOB）内 持有期间，仅提交实际到期的患者人数。 根据替代实施例，在从保险公司收到EOB之前，医疗保健提供者标记在销售点（POS）终端设备或服务器中的交易以存储并通过电子支付网络延迟提交。 根据本发明的实施例特别适用于在付款人裁决之后支付医疗保健计划中的索赔。
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