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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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公开(公告)号：US08660855B2
公开(公告)日：2014-02-25
申请号：US11760244
申请日：2007-06-08
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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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：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：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：US20100145810A1
公开(公告)日：2010-06-10
申请号：US12630748
申请日：2009-12-03
申请人： Stacy Pourfallah , Janet Pruitt
发明人： Stacy Pourfallah , Janet Pruitt
CPC分类号： G06Q20/20 , G06Q20/12 , G06Q20/204 , G06Q20/32 , G06Q20/325 , G06Q20/327 , G06Q20/389 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： Transactions are processed in which payment is made using an account, such as a health savings account or other type of account in which cardholder purchases are limited to, and/or are documented for, a pre-designated set of merchandise. When a transaction occurs, the purchased products are identified and a determination made whether each product is qualified for purchase under the account. An account transaction record is stored which identifies the date of the transaction, the account, each item that is qualified under the account, a description and quantity of each item, and the total monetary amount of the transaction related to such qualified items. The account transaction records for a particular consumer are used to generate a report that contains data for every transaction on the account. The report can be limited to those transactions that occurred during a period of time, such as a calendar year.
摘要翻译： 交易被处理，其中使用诸如健康储蓄账户或其他类型的账户进行支付，其中持卡人购买限于和/或记录为预先指定的一组商品。 当交易发生时，所购买的产品被识别，并确定每个产品是否有资格在该帐户下购买。 存储帐户交易记录，其中记录交易的日期，帐户，帐户下的每个项目，每个项目的描述和数量以及与这些合格项目相关的交易的总金额。 用于特定消费者的帐户交易记录用于生成包含帐户上每个交易的数据的报告。 该报告可以限于在一段时间内发生的交易，例如日历年。
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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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