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1. 发明申请

US20070011025A1 Facilitating Payments to Health Care Providers 有权
标题翻译：促进医疗保健提供者的付款
公开(公告)号：US20070011025A1
公开(公告)日：2007-01-11
申请号：US11275403
申请日：2005-12-29
申请人： Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
发明人： Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q50/22 , G06F19/00 , G06Q20/10 , G06Q30/04 , G06Q40/08
摘要： A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.
摘要翻译：一种用于促进购买的计算机实现的方法，包括：在第一主计算机处接收来自提供商的用于向购买者收费的支付授权的请求; 检查耦合到第一主计算机的数据库以获取关于购买者的信息; 向与所述提供者相关联的第二主计算机提供关于所述购买者的信息; 在第一主机上从第三主机接收关于向买方谈判的费用金额的信息; 向供应商投标协商费用; 并从买方的账户中扣除不超过谈判的费用金额的金额。

2. 发明申请

US20070194108A1 Assured Payments For Health Care Plans 审中-公开
标题翻译：医疗保险计划的保证付款
公开(公告)号：US20070194108A1
公开(公告)日：2007-08-23
申请号：US11461356
申请日：2006-07-31
申请人： Ahana Kalappa , Jason Jagatic , Sunil Sachdev , Mark Keck , Todd Reynders , Christopher Cracchiolo , Shari Pincock
发明人： Ahana Kalappa , Jason Jagatic , Sunil Sachdev , Mark Keck , Todd Reynders , Christopher Cracchiolo , Shari Pincock
IPC分类号： G06F7/08
CPC分类号： G06Q40/00
摘要： A computer-implemented method and system to facilitate a purchase. A request for payment for a charge by a provider to a customer having a plurality of accounts is received at a host computer. At least one of the accounts qualifies for pre-tax treatment and at least one account does not qualify for pre-tax treatment. A hold is placed on funds in one or more of the plurality of accounts sufficient to cover the charge. The host determines whether the charge qualifies for pre-tax treatment. If the charge qualifies for pre-tax treatment, then at least the account qualifying for pre-tax treatment is debited for some or all of the charge.
摘要翻译：计算机实现的方法和系统，以方便购买。在主计算机上接收由提供商向具有多个帐户的客户收取费用的请求。至少有一个账户有资格获得税前待遇，至少有一个帐户不符合税前待遇。在多个帐户中的一个或多个帐户中的资金被搁置，足以支付费用。主持人确定收费是否符合税前待遇。如果收费符合税前待遇，则至少有资格获得税前待遇的账户将被扣除部分或全部费用。

3. 发明申请

US20070011088A1 Assured Payments for Health Care Plans 审中-公开
标题翻译：医疗保健计划的保证付款
公开(公告)号：US20070011088A1
公开(公告)日：2007-01-11
申请号：US11275401
申请日：2005-12-29
申请人： Christopher CRACCHIOLO , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
发明人： Christopher CRACCHIOLO , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q20/06 , G06Q20/10 , G06Q20/3574 , G06Q40/00 , G06Q50/22
摘要： A method comprises the steps of: receiving, at a host computer, a request from a purchaser for payment authorization for a charge for an item; determining whether said item qualifies for payment of a discounted amount of the item charge; receiving at the host computer a request from a provider for payment of the item charge; identifying a funding source of the purchaser from which to draw funds for payment of the item charge; and causing the funding source to be debited for at least a portion of the discounted amount of the item charge based on the payment authorization.
摘要翻译：一种方法包括以下步骤：在主计算机处接收来自购买者的用于项目费用的支付授权的请求; 确定所述项目是否符合支付项目费用的折扣金额; 在主计算机接收来自提供商的用于支付物品费用的请求; 确定购买者的资金来源，从中支付项目费用; 并根据付款授权，使资金来源至少扣除项目费用折扣金额的一部分。

4. 发明申请

US20070007335A1 Healthcare Card Closed Loop Network System 有权
标题翻译：医疗卡闭环网络系统
公开(公告)号：US20070007335A1
公开(公告)日：2007-01-11
申请号：US11275405
申请日：2005-12-29
申请人： Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
发明人： Christopher Cracchiolo , Jason Jagatic , Ahana Kalappa , Mark Keck , Shari Pincock , Todd Reynders , Sunil Sachdev
IPC分类号： G06K5/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of said item based on said payment authorization.
摘要翻译：一种方法包括以下步骤：在主计算机处接收来自提供商的用于支付由购买者招致的费用的请求; 识别购买者的多个资金来源，从中提取用于支付费用的资金; 并且基于所述支付授权，使所述多个资金来源中的至少一个被借记所述项目的购买金额的至少一部分。

5. 发明申请

US20080201176A1 PRACTICE MANAGEMENT SYSTEM (PMS) INTEGRATION METHOD 审中-公开
标题翻译：实践管理系统（PMS）集成方法
公开(公告)号：US20080201176A1
公开(公告)日：2008-08-21
申请号：US11675456
申请日：2007-02-15
申请人： Mark Keck , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
发明人： Mark Keck , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q40/08
摘要： A method and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a method which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can resulted from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.
摘要翻译：描述了一种方法和计算机程序产品，用于将登记在健康计划中的卡成员的资格信息的验证与根据健康计划支付所使用的服务所需的支付账户进行整合。本发明将卡成员信息集成到为卡成员使用的服务提供支付能力的方法中。本发明将基本患者资格信息编码到卡片磁条上。这有助于克服基于纸张或无纸化电子过程可能导致的任何手动数据输入错误。本发明提供了完成涉及医疗服务提供者，患者和付款人在单次刷卡中的交易的能力。

6. 发明申请

US20080201165A1 PRACTICE MANAGEMENT SYSTEM (PMS) INTEGRATION 审中-公开
标题翻译：实践管理系统（PMS）整合
公开(公告)号：US20080201165A1
公开(公告)日：2008-08-21
申请号：US11675438
申请日：2007-02-15
申请人： MARK KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
发明人： MARK KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller
IPC分类号： G06Q50/00 , G06Q40/00
CPC分类号： G06Q50/22 , G06Q40/00 , G06Q40/08
摘要： A system and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a Practice Management System which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can result from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.
摘要翻译：描述了一种系统和计算机程序产品，用于将登记在健康计划中的卡片成员的资格信息的验证与支付根据健康计划所使用的服务支付的支付账户进行整合。本发明将卡成员信息集成到为卡成员使用的服务提供支付能力的实践管理系统。本发明将基本患者资格信息编码到卡片磁条上。这有助于克服基于纸张或无纸化电子过程可能导致的任何手动数据输入错误。本发明提供了完成涉及医疗服务提供者，患者和付款人在单次刷卡中的交易的能力。

7. 发明申请

US20090006135A1 Accelerated Payments for Health Care Plans 审中-公开
标题翻译：加快医疗保健计划
公开(公告)号：US20090006135A1
公开(公告)日：2009-01-01
申请号：US11768708
申请日：2007-06-26
申请人： Mark KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller , Sachin Joshi
发明人： Mark KECK , Sarah Harrison , Ahana Kalappa , Sunil Sachdev , Margaret A. Miller , Sachin Joshi
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/06 , G06Q20/102
摘要： A method for accelerating a payment to a merchant for a healthcare related claim. The method comprises submitting a healthcare related claim for payment from the merchant to a payer; determining at the payer whether the member is eligible for services covered as a part of his or her healthcare plan. If the member is determined to be eligible for payment of claim(s) submitted, then a financial institution is notified of an estimated amount of liability for the claim. At least a portion of the estimated amount of liability for the claim is paid to the merchant by the financial institution. The financial institution thereafter receives a reimbursement/payment from a healthcare finding source for the adjudicated amount of liability for the claim. Once the claim is adjudicated, a healthcare management system reconciles with the merchant for any under or over payment.
摘要翻译：一种用于加速对与医疗保健相关的权利要求的商家的支付的方法。所述方法包括向所述付款者提交与所述商家的支付有关的医疗保健相关索赔; 在付款人确定会员是否符合作为其医疗保健计划一部分的服务资格。如果该成员被确定有资格支付所提交的索赔，则向金融机构通知索赔的估计赔偿额。至少一部分索赔责任估计金额由金融机构支付给商人。此后，金融机构从医疗保健发现来源收到索赔责任金额的报销/付款。一旦索赔被裁定，医疗保健管理系统与商家进行协调，以支付任何欠款或超付款。

8. 发明授权

US07434729B2 Healthcare card closed loop network 有权
标题翻译：医疗卡闭环网络
公开(公告)号：US07434729B2
公开(公告)日：2008-10-14
申请号：US11275405
申请日：2005-12-29
申请人： Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
发明人： Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
IPC分类号： G06K5/00
CPC分类号： G06Q40/00 , G06Q40/08
摘要： A method comprises the steps of: receiving, at a host computer, a request from a provider for payment for a charge incurred by a purchaser; identifying a plurality of funding sources of the purchaser from which to draw funds for payment of the charge; and causing at least one of the plurality of funding sources to be debited for at least a portion of the purchasing amount of the item based on the payment authorization.
摘要翻译：一种方法包括以下步骤：在主计算机处接收来自提供商的用于支付由购买者招致的费用的请求; 识别购买者的多个资金来源，从中提取用于支付费用的资金; 并且基于所述支付授权，使所述多个资金来源中的至少一个被借给所述项目的购买金额的至少一部分。

9. 发明授权

US07970626B2 Facilitating payments to health care providers 有权
标题翻译：促进医疗保健提供者的付款
公开(公告)号：US07970626B2
公开(公告)日：2011-06-28
申请号：US11275403
申请日：2005-12-29
申请人： Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
发明人： Christopher P. Cracchiolo , Jason S. Jagatic , Ahana M. Kalappa , Mark C. Keck , Shari Pincock , Todd H. Reynders , Sunil Sachdev
IPC分类号： G06Q50/00 , G06Q10/00
CPC分类号： G06Q50/22 , G06F19/00 , G06Q20/10 , G06Q30/04 , G06Q40/08
摘要： A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.
摘要翻译：一种用于促进购买的计算机实现的方法，包括：在第一主计算机处接收来自提供商的用于向购买者收费的支付授权的请求; 检查耦合到第一主计算机的数据库以获取关于购买者的信息; 向与所述提供者相关联的第二主计算机提供关于所述购买者的信息; 在第一主机上从第三主机接收关于向买方谈判的费用金额的信息; 向供应商投标协商费用; 并从买方的账户中扣除不超过谈判的费用金额的金额。

10. 发明申请

US20070185801A1 Healthcare Card Incentive Program For Multiple Users 有权
标题翻译：多个用户的医疗卡奖励计划
公开(公告)号：US20070185801A1
公开(公告)日：2007-08-09
申请号：US11461392
申请日：2006-07-31
申请人： Sarah Harrison , Jason Jagatic , Sunil Sachdev
发明人： Sarah Harrison , Jason Jagatic , Sunil Sachdev
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06F19/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0226 , G06Q30/0261 , G06Q30/0269 , G06Q40/00 , G06Q40/06 , G06Q40/10
摘要： A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense.
摘要翻译：一种计算机实现的方法和系统，其利用至少第一和第二卡成员使用与单个税收优势帐户相关联的相应交易工具进行购买。在主计算机处接收来自商家的请求，其由第一卡片成员向使用第一交易工具的交易的有利税帐户收取购买费用。确定第一个会员费用是否适用于具有税收优惠的费用。只有在第一个会员费用被确定为具有税收优惠的费用时，税收优惠账户将被记入与第一个会员费用相关的积分。从商家收到请求，以使用第二交易工具对第二个卡会员对具有税收优惠的帐户进行交易。确定第二个会员费用是否适用于具有税收优惠的费用。只有在第二个卡会员费用被确定为适用于有关税收优惠的费用时，税收优惠账户将被记入与第二个会员费用相关的积分。

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