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1. 发明申请

WO2011019998A3 INFLUENZA VACCINE ADMINISTRATION PAYMENT DEVICE PROCESSING 审中-公开
标题翻译： INFLUENZA疫苗管理支付装置处理
公开(公告)号：WO2011019998A3
公开(公告)日：2011-04-28
申请号：PCT/US2010045445
申请日：2010-08-13
申请人： VISA USA INC , CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA , RADLOW ANDREW
发明人： CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA , RADLOW ANDREW
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.
摘要翻译：支付设备具有由医疗保健提供者以磁条或视觉标记读取的标识符，流感疫苗和由发行者发行给可以进行有限交易的一方（例如，政府实体）的账户给予流感疫苗。医疗保健提供者发送交易的授权请求，以通过其收单机构和交易处理机构向发行机构递送。发行者使用标识符来授权医疗保健提供者管理流感疫苗并进行交易，并且通过交易处理者和收购者向授权请求发回授权响应。在接收到授权响应之后，医疗保健提供者管理流感疫苗并且进行账户上的交易以销售流感疫苗的服务。

2. 发明申请

WO2011020039A3 AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM 审中-公开
标题翻译：通过付款处理系统通过赞助商帐户进行医疗保健的自动化
公开(公告)号：WO2011020039A3
公开(公告)日：2011-05-19
申请号：PCT/US2010045500
申请日：2010-08-13
申请人： VISA USA INC , CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA
发明人： CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06Q10/10 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.
摘要翻译：发行人从卫生保健提供者接收包括帐户，医疗保健服务的标识符及其对患者的成本的授权请求，以及用于兑换医疗服务费用的单用途卡的标识符。发行人验证使用账户支付费用，向医疗保健提供者发送授权许可，并停用单一用途卡的标识符，以备将来使用。当帐户确定不足时，资金不足的请求被发送给发行人发行账户的发起人。授权请求中的成本可以包括总购买金额和总购买金额的合格金额，发行人可以验证该账户可以用于支付医疗保健服务的总购买金额的合格金额。

3. 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。

4. 发明申请

WO2011044054A2 SAMPLE BEARING PORTABLE TRANSACTION PAYMENT DEVICE 审中-公开
标题翻译：样品轴承便携式交易付款设备
公开(公告)号：WO2011044054A2
公开(公告)日：2011-04-14
申请号：PCT/US2010051355
申请日：2010-10-04
申请人： VISA USA INC , POURFALLAH STACY
发明人： POURFALLAH STACY
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q50/00
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q50/22
摘要： A network transmits information about a sample, e.g.; a free prescription, in response to a request, and includes an advertising account for a merchant to charge the sample's cost when provided to a consumer (e.g.; via a kiosk), and also an identifier and quantity of the sample. The information can be written to the memory of a portable consumer transaction payment device where, also encoded in the memory, can be an account issued by an issuer to the consumer for the consumer to engage in transactions on the account with merchants in a payment processing network. Data from a transaction for the sample is submitted by a merchant to its acquirer for processing by a transaction handler who requests payment for the transaction from the advertising account, and the issuer of the advertising account forwards the payment for the free sample to the merchant's acquirer to reimburse the merchant.
摘要翻译：网络传送关于样本的信息，例如。响应于请求的免费处方，并且包括商家的广告账户以在提供给消费者（例如经由售货亭）时收取样品费用，并且还包括样品的标识符和数量。该信息可以被写入便携式消费者交易支付设备的存储器中，其中也编码在存储器中的信息可以是由发行者发行给消费者的帐户，用于消费者在支付处理中与商户进行交易网络。来自样本交易的数据由商家提交给其收单机构，由交易处理人员处理，该交易处理人员请求从广告账户中支付交易费用，并且广告账户的发行人将该免费样本的支付转发给商家的收单方偿还商户。

5. 发明申请

WO2010065910A2 AUTOMATED SUBSTANTIATION OF PRODUCT LEVEL SPECIFIC ACCOUNT PAYMENTS 审中-公开
标题翻译：产品级特殊帐户付款的自动化
公开(公告)号：WO2010065910A2
公开(公告)日：2010-06-10
申请号：PCT/US2009066847
申请日：2009-12-04
申请人： VISA USA INC , POURFALLAH STACY , PRUITT JANET
发明人： POURFALLAH STACY , PRUITT JANET
IPC分类号： G06Q20/00
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。

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

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