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1. 发明授权

US07925518B2 System and method for payment of medical claims 有权
标题翻译：支付医疗费用的制度和方法
公开(公告)号：US07925518B2
公开(公告)日：2011-04-12
申请号：US10418989
申请日：2003-04-18
申请人： Ernest Lee , Jack LaBounty , Stephen Barchet
发明人： Ernest Lee , Jack LaBounty , Stephen Barchet
IPC分类号： G06Q10/00
CPC分类号： G07F7/1008 , G06F19/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/346 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A system allows a health care provider to arrange payment at the time of service for a patient responsibility portion of a health care claim amount, even though the provider may not know what the patient responsibility portion will be until after adjudication. A health care debit card is associated with an account of the patient. At the time of service, the patient presents the card to the provider. The provider uses the card to authorize the system to hold an estimate of the patient responsibility amount in suspense in the patient's account. After adjudication, when the actual patient responsibility amount is known, a transaction set is sent to the system. The system then automatically transfers the actual patient responsibility amount from the patient's account and into the provider's bank account. Any remainder of the suspended funds is left in the patient's account. A trace number is provided so that the provider can reconcile bank statement deposits with transaction set information.
摘要翻译：一个系统允许医疗保健提供者在服务时为医疗保健索赔额的患者责任部分安排付款，即使提供者可能不知道在判决之后患者责任部分将是什么。医疗保健借记卡与患者的帐户相关联。在服务时，患者将卡片提供给提供者。提供者使用该卡授权系统对患者帐户中的患者责任量进行暂定估计。裁决后，当实际患者责任额已知时，交易集发送到系统。然后系统自动将患者的实际负责金额从患者账户转入提供商的银行账户。暂停资金的剩余部分留在病人的账户中。提供跟踪号码，以便提供者可以将银行对账单存款与交易集信息进行调节。

2. 发明申请

US20110178816A1 System And Method For Payment Of Medical Claims 审中-公开
标题翻译：医疗费用支付制度与方法
公开(公告)号：US20110178816A1
公开(公告)日：2011-07-21
申请号：US13041291
申请日：2011-03-04
申请人： Ernest Lee , Jack LaBounty , Stephen Barchet
发明人： Ernest Lee , Jack LaBounty , Stephen Barchet
IPC分类号： G06Q50/00 , G06Q10/00
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/346 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A system allows a health care provider to arrange payment at the time of service for a patient responsibility portion of a health care claim amount, even though the provider may not know what the patient responsibility portion will be until after adjudication. A health care debit card is associated with an account of the patient. At the time of service, the patient presents the card to the provider. The provider uses the card to authorize the system to hold an estimate of the patient responsibility amount in suspense in the patient's account. After adjudication, when the actual patient responsibility amount is known, a transaction set is sent to the system. The system then automatically transfers the actual patient responsibility amount from the patent's account and into the provider's bank account. Any remainder of the suspended funds is left in the patient's account. A trace number is provided so that the provider can reconcile bank statement deposits with transaction set information.
摘要翻译：一个系统允许医疗保健提供者在服务时为医疗保健索赔额的患者责任部分安排付款，即使提供者可能不知道在判决之后患者责任部分将是什么。医疗保健借记卡与患者的帐户相关联。在服务时，患者将卡片提供给提供者。提供者使用该卡授权系统对患者帐户中的患者责任量进行暂定估计。裁决后，当实际患者责任额已知时，交易集发送到系统。然后系统自动将实际的患者责任金额从专利账户转入提供商的银行帐户。暂停资金的剩余部分留在病人的账户中。提供跟踪号码，以便提供者可以将银行对账单存款与交易集信息进行调节。

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