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1. 发明申请

US20080120234A1 Variable Revenue Sharing For Multiple Account Payment Instruments 审中-公开
标题翻译：多帐户付款工具的可变收入分成
公开(公告)号：US20080120234A1
公开(公告)日：2008-05-22
申请号：US11561326
申请日：2006-11-17
申请人： Jason Jagatic , Seshadri Kulkarni
发明人： Jason Jagatic , Seshadri Kulkarni
IPC分类号： G06Q20/00
CPC分类号： G06Q20/22 , G06Q20/40
摘要： A method and system are disclosed for facilitating allocation of payments among multiple transaction instrument partners. The method and system comprises receiving at a network a transaction authorization request from a merchant; determining the total amount of merchant fee to be charged for the total transaction; subtracting from the total amount of the merchant fee a predetermined portion for retention by the network; transmitting the balance of the merchant fee to a card issuer; and allocating at the issuer portions of the balance of the merchant fee to be allocated among two or more transaction instrument partners.
摘要翻译：公开了一种用于促进多个交易工具合作伙伴之间的支付分配的方法和系统。该方法和系统包括在网络上从商家接收交易授权请求; 确定总交易的费用总额; 从商家总费用中减去网络保留的预定部分; 向发卡机构发送商业余额的余额; 并在发行人的部分分配在两个或更多交易工具合伙人之间分配的商业费用余额。

2. 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。

3. 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。

4. 发明申请

US20100116882A9 PAYMENT PROGRAMS FOR HEALTHCARE PLANS 有权
标题翻译：健康计划支付计划
公开(公告)号：US20100116882A9
公开(公告)日：2010-05-13
申请号：US11461389
申请日：2006-07-31
申请人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
发明人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
IPC分类号： G06F7/08
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/227
摘要： The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.
摘要翻译：本发明是一种计算机实现的方法和系统，以利于利用税收优势账户的购买。从请求者接收到对项目的付款请求。确定项目是否符合税前待遇。如果项目符合税前待遇，则至少确定该项目的部分付款金额。根据付款授权，税收优惠账户的至少一部分采购金额被扣除; 并且该项目的至少部分支付金额被发送到请求者的账户。

5. 发明申请

US20070185802A1 Incentive Programs For Healthcare Cards 审中-公开
标题翻译：医疗卡奖励计划
公开(公告)号：US20070185802A1
公开(公告)日：2007-08-09
申请号：US11461394
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： G06Q30/02 , G06F19/328 , G06Q10/10 , G06Q20/342 , G06Q20/363 , G06Q20/387 , G06Q30/04 , G06Q40/10 , G07F7/025 , G07F7/0866
摘要： A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument associated with a tax-advantaged account, wherein the tax-advantaged account is associated with a healthcare plan. A request is received from a merchant to charge the tax-advantaged account for a transaction associated with the transaction instrument. A determination is made whether the charge is for a covered tax-advantaged expense The tax-advantaged account is credited with healthcare plan related points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense. The tax-advantaged account is also credited with transaction instrument related points associated with the value of the charge only if the 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，用于促进由使用与有利税的帐户相关联的交易工具的卡成员进行购买，其中所述有利税的帐户与医疗计划相关联。收到来自商家的请求，以向与所述交易工具相关联的交易的所述有利税的账户收取费用。确定费用是否适用于具有税收优惠的费用如果该费用被确定为涉及税收优惠费用，那么税收优惠账户将被收取与收费价值相关的医疗保健计划相关积分。只有当费用被确定为适用于有关税收优惠的费用时，税收优惠账户也被记入与收费价值相关的交易工具相关点。

6. 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。

7. 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。

8. 发明申请

US20070194109A1 Payment Programs For Healthcare Plans 有权
标题翻译：医疗保健计划支付计划
公开(公告)号：US20070194109A1
公开(公告)日：2007-08-23
申请号：US11461389
申请日：2006-07-31
申请人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
发明人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
IPC分类号： G06F7/08
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/227
摘要： The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.
摘要翻译：本发明是一种计算机实现的方法和系统，以利于利用税收优势账户的购买。从请求者收到项目付款请求。确定项目是否符合税前待遇。如果项目符合税前待遇，则至少确定该项目的部分付款金额。根据付款授权，税收优惠账户的至少一部分采购金额被扣除; 并且该项目的至少部分支付金额被发送到请求者的账户。

9. 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。

10. 发明申请

US20070175985A1 Linking Transaction Cards With Spending Accounts 有权
标题翻译：将交易卡与支出账户关联
公开(公告)号：US20070175985A1
公开(公告)日：2007-08-02
申请号：US11381641
申请日：2006-05-04
申请人： Brian Barnes , Michal Bliman , Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
发明人： Brian Barnes , Michal Bliman , Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
IPC分类号： G06F7/08
CPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/40 , G06Q30/04
摘要： A computer-implemented system and method to facilitate a purchase utilizing a flexible spending account, comprising the steps of: receiving, at a host computer, a request for payment authorization for an item; determining whether the item qualifies for pre-tax treatment; and when the item qualifies for pre-tax treatment: determining at least partial payment authorization for the item, transmitting the at least partial payment authorization for the item to a point of sale device; causing the flexible spending account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization; and debiting a non-flexible spending account for an item not qualifying for pre-tax treatment.
摘要翻译：一种利用灵活支出账户促进购买的计算机实现的系统和方法，包括以下步骤：在主计算机处接收对项目的支付授权请求; 确定项目是否符合税前待遇; 并且当该项目符合税前处理时：确定该项目的至少部分支付授权，将该项目的至少部分支付授权传送到销售点设备; 使得灵活的支出账户根据支付授权向项目的至少一部分采购金额扣除; 并为不符合税前待遇的项目扣除不灵活的支出帐户。

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