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1. 发明申请

WO2007146817A2 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：WO2007146817A2
公开(公告)日：2007-12-21
申请号：PCT/US2007/070780
申请日：2007-06-08
申请人： VISA USA INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , PRUITT, Janet , KAYMOUI, Roxanna , FRANZ, Doug
发明人： POURFALLAH, Stacy , PRUITT, Janet , KAYMOUI, Roxanna , FRANZ, Doug
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06F19/00 , 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）。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。

2. 发明申请

WO2013028910A2 MOBILE FUNDING METHOD AND SYSTEM 审中-公开
标题翻译：移动资助方法与系统
公开(公告)号：WO2013028910A2
公开(公告)日：2013-02-28
申请号：PCT/US2012/052140
申请日：2012-08-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , RAJ, Thanigaivel Ashwin
发明人： POURFALLAH, Stacy , RAJ, Thanigaivel Ashwin
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q40/02
CPC分类号： G06Q20/10 , G06Q20/325
摘要： Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.
摘要翻译：提供移动资金的系统和方法。一种这样的方法包括接收交易请求以将资金从付款人转移到收款人。交易请求可以包括付款人设备标识符，收款人设备标识符和金额。可以分别确定与付款方设备标识符相关联的付款人帐户标识符和与收款人设备标识符相关联的收款人帐户标识符。此外，可以基于付款人设备标识符来确定与支付者设备相关联的第一服务提供商，并且可以基于收款人设备标识符来确定与收款人设备相关联的第二服务提供商。然后可以使用付款人帐户标识符和收款人帐户标识符来启动资金从第一服务提供商转移到第二服务提供商。第一和第二服务提供商中的至少一个是移动网络运营商。

3. 发明申请

WO2012116125A1 UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：通用电子付款设备，方法和系统
公开(公告)号：WO2012116125A1
公开(公告)日：2012-08-30
申请号：PCT/US2012/026205
申请日：2012-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
发明人： KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
IPC分类号： G06Q30/00
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ("UEP") transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

4. 发明申请

WO2012122065A1 HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：健康钱包付款处理设备，方法和系统
公开(公告)号：WO2012122065A1
公开(公告)日：2012-09-13
申请号：PCT/US2012/027633
申请日：2012-03-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , LUTZEN, Renee
发明人： POURFALLAH, Stacy , LUTZEN, Renee
IPC分类号： G06Q10/00
CPC分类号： G06Q50/22 , G06F19/00 , G06F19/328 , G06Q20/102 , G06Q30/0601 , G16H10/60
摘要： The HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS (hereinafter "H-Wallet") transforms patient insurance information, and healthcare procedure schedule information inputs via H-Wallet components into medical claim settlement outputs. In one embodiment, a method is disclosed, comprising: obtaining a user healthcare payment request including user credentials; retrieving healthcare product details and a payment amount from the user healthcare payment request; obtaining balance information of a list of user accounts; determining a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information; transmitting a list of user account including the recommended account with the obtained balance information to the user mobile device; receiving a user selection of the recommended account; verifying payment eligibility of the recommended account for the obtained payment request; and processing fund transfer from the recommended account to a healthcare provider.
摘要翻译：健康钱包付款处理设备，方法和系统（以下简称“H-Wallet”）将患者保险信息，以及通过H-Wallet组件输入医疗保健程序时间表信息转化为医疗赔偿结算输出。在一个实施例中，公开了一种方法，包括：获得包括用户凭证的用户医疗支付请求; 从用户医疗支付请求中检索保健产品详细信息和支付金额; 获取用户帐户列表的余额信息; 基于检索到的保健产品详细信息，支付金额和所获得的余额信息确定所获得的用户医疗支付请求的推荐账户; 向所述用户移动设备发送包括所推荐帐户的用户帐户列表与所获得的余额信息; 接收用户选择推荐的帐户; 验证获得的付款请求的推荐账户的支付资格; 并将资金从推荐账户转入医疗保健提供者。

5. 发明申请

WO2008133721A1 DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT 审中-公开
标题翻译：使用付款帐户确定医疗保险
公开(公告)号：WO2008133721A1
公开(公告)日：2008-11-06
申请号：PCT/US2007/084179
申请日：2007-11-08
申请人： VISA U.S.A. INC , PATTERSON, Barbara , POURFALLAH, Stacy , PRUITT, Janet , NGUYEN, Loc , SMITH, Nigel
发明人： PATTERSON, Barbara , POURFALLAH, Stacy , PRUITT, Janet , NGUYEN, Loc , SMITH, Nigel
IPC分类号： G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q50/22
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。构成了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。

6. 发明申请

WO2010065910A3 AUTOMATED SUBSTANTIATION OF PRODUCT LEVEL SPECIFIC ACCOUNT PAYMENTS 审中-公开
公开(公告)号：WO2010065910A3
公开(公告)日：2010-06-10
申请号：PCT/US2009/066847
申请日：2009-12-04
申请人： VISA U.S.A. INC. , POURFALLAH, Stacy , PRUITT, Janet
发明人： POURFALLAH, Stacy , PRUITT, Janet
IPC分类号： G06Q20/00
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.

7. 发明申请

WO2006074286A2 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：WO2006074286A2
公开(公告)日：2006-07-13
申请号：PCT/US2006/000289
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。

8. 发明申请

WO2006074285A3 METHOD AND SYSTEM FOR DETERMINING HEALTHCARE ELIGIBILITY 审中-公开
公开(公告)号：WO2006074285A3
公开(公告)日：2006-07-13
申请号：PCT/US2006/000288
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： G06Q10/00
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. 发明申请

WO2006074275A3 METHOD FOR ENCODING MESSAGES BETWEEN TWO DEVICES FOR TRANSMISSION OVER STANDARD ONLINE PAYMENT NETWORKS 审中-公开
公开(公告)号：WO2006074275A3
公开(公告)日：2006-07-13
申请号：PCT/US2006/000274
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： 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.

10. 发明申请

WO2013126815A1 DATA SECURITY SYSTEM USING MOBILE COMMUNICATIONS DEVICE 审中-公开
标题翻译：使用移动通信设备的数据安全系统
公开(公告)号：WO2013126815A1
公开(公告)日：2013-08-29
申请号：PCT/US2013/027481
申请日：2013-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： POURFALLAH, Stacy , YANG, Jessica , MAHADKAR, Shilpak
IPC分类号： G06Q40/02 , H04W12/06
CPC分类号： H04L63/083 , G06Q20/1085 , G06Q20/3221 , G06Q40/02 , H04L63/108 , H04W12/06
摘要： Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again.
摘要翻译：本发明的实施例提供了在有限的时间段内解除与用户相关联的帐户的系统和方法，以使用户能够使用来自该账户的资金进行交易。在本发明的一个实施例中，用户可以使用在与用户相关联的移动通信设备处提供的支付菜单来选择与交易相关的选项。在移动通信设备处接收到通知消息，通知用户帐户被解锁一定时间段和一定量。交易完成后，系统会通知用户，并重新锁定帐户。

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