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1. 发明公开

EP1834275A4 METHOD AND SYSTEM FOR DETERMINING HEALTHCARE ELIGIBILITY 审中-公开
标题翻译：方法和系统，用于确定权利保健
公开(公告)号：EP1834275A4
公开(公告)日：2010-02-03
申请号：EP06717481
申请日：2006-01-04
申请人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
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.

2. 发明公开

EP1834314A4 METHOD FOR ENCODING MESSAGES BETWEEN TWO DEVICES FOR TRANSMISSION OVER STANDARD ONLINE PAYMENT NETWORKS 审中-公开
标题翻译： PROCEDURE ENCODE NEWS两个设备之间上传输标准网上支付网络
公开(公告)号：EP1834314A4
公开(公告)日：2010-04-07
申请号：EP06717470
申请日：2006-01-04
申请人： NGUYEN LOC , PRUITT JANET , POURFALLAH STACY
发明人： NGUYEN LOC , PRUITT JANET , POURFALLAH STACY
IPC分类号： G06Q10/00 , G06F17/27 , G06F19/00
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.

3. 发明公开

EP1856663A4 AUTO SUBSTANTIATION FOR OVER-THE-COUNTER TRANSACTIONS 审中-公开
标题翻译：自动交易在交换机上的实例
公开(公告)号：EP1856663A4
公开(公告)日：2010-02-03
申请号：EP06717482
申请日：2006-01-04
申请人： NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
发明人： NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q30/06

4. 发明专利

AU2006203957A1 Method for encoding messages between two devices for transmission over standard online payment networks 未知
公开(公告)号：AU2006203957A1
公开(公告)日：2006-07-13
申请号：AU2006203957
申请日：2006-01-04
申请人： POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PRUITT JANET , POURFALLAH STACY , NGUYEN LOC
IPC分类号： G06Q10/00 , G06F17/27
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.

5. 发明专利

AU2006203968A1 Auto substantiation for over-the-counter transactions 未知
公开(公告)号：AU2006203968A1
公开(公告)日：2006-07-13
申请号：AU2006203968
申请日：2006-01-04
申请人： POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PRUITT JANET , POURFALLAH STACY , NGUYEN LOC
IPC分类号： G06Q40/00
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.

6. 发明专利

AU2006203967A1 Method and system for determining healthcare eligibility 未知
公开(公告)号：AU2006203967A1
公开(公告)日：2006-07-13
申请号：AU2006203967
申请日：2006-01-04
申请人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PATTERSON BARBARA , NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
IPC分类号： G06Q40/00

7. 发明申请

WO2006074285A2 METHOD AND SYSTEM FOR DETERMINING HEALTHCARE ELIGIBILITY 审中-公开
标题翻译：用于确定健康资格的方法和系统
公开(公告)号：WO2006074285A2
公开(公告)日：2006-07-13
申请号：PCT/US2006000288
申请日：2006-01-04
申请人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
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。

8. 发明申请

WO2006074286A3 AUTO SUBSTANTIATION FOR OVER-THE-COUNTER TRANSACTIONS 审中-公开
标题翻译：自动实体用于交易的交易
公开(公告)号：WO2006074286A3
公开(公告)日：2008-08-21
申请号：PCT/US2006000289
申请日：2006-01-04
申请人： NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
发明人： NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
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帐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。

9. 发明申请

WO2006074275A2 METHOD FOR ENCODING MESSAGES BETWEEN TWO DEVICES FOR TRANSMISSION OVER STANDARD ONLINE PAYMENT NETWORKS 审中-公开
标题翻译：在标准在线支付网络上传输两台设备之间的消息编码方法
公开(公告)号：WO2006074275A2
公开(公告)日：2006-07-13
申请号：PCT/US2006000274
申请日：2006-01-04
申请人： NGUYEN LOC , PRUITT JANET , POURFALLAH STACY
发明人： NGUYEN LOC , PRUITT JANET , POURFALLAH STACY
IPC分类号： G06Q10/00 , G06F17/27
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。

10. 发明申请

WO2007146817A3 SYSTEM AND METHOD USING EXTENDED AUTHORIZATION HOLD PERIOD 审中-公开
标题翻译：使用延长授权期限的系统和方法
公开(公告)号：WO2007146817A3
公开(公告)日：2008-07-31
申请号：PCT/US2007070780
申请日：2007-06-08
申请人： VISA USA INC , POURFALLAH STACY , PRUITT JANET , KAYMOUI ROXANNA , FRANTZ DOUGLAS RICHARD
发明人： POURFALLAH STACY , PRUITT JANET , KAYMOUI ROXANNA , FRANTZ DOUGLAS RICHARD
IPC分类号： G06Q40/00 , G06Q50/00
CPC分类号： G06Q10/10 , G06Q40/02 , G06Q50/22
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）。这个持续期允许医务人员从患者的信用卡，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，仅提交患者实际到期的款项。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，用于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由付款人裁决之后支付医疗保健计划中的索赔。

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