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    • 7. 发明授权
    • System and method using extended authorization hold period
    • 使用延长授权保留期的系统和方法
    • US08660855B2
    • 2014-02-25
    • US11760244
    • 2007-06-08
    • Stacy PourfallahJanet PruittDouglas FrantzRoxanna Kayoumi
    • Stacy PourfallahJanet PruittDouglas FrantzRoxanna Kayoumi
    • G06Q50/00G06Q10/00
    • G06Q10/10G06F19/00G06Q40/02G06Q50/22
    • 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.
    • 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。
    • 9. 发明申请
    • SYSTEM AND METHOD USING EXTENDED AUTHORIZATION HOLD PERIOD
    • 使用延长授权期限的系统和方法
    • US20080140447A1
    • 2008-06-12
    • US11760244
    • 2007-06-08
    • Stacy PourfallahJanet PruittDouglas FrantzRoxanna Kayoumi
    • Stacy PourfallahJanet PruittDouglas FrantzRoxanna Kayoumi
    • G06Q50/00
    • G06Q10/10G06F19/00G06Q40/02G06Q50/22
    • 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.
    • 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。