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1. 发明授权

US08412540B2 Healthcare eligibility transactions 有权
标题翻译：医疗资格交易
公开(公告)号：US08412540B2
公开(公告)日：2013-04-02
申请号：US12893609
申请日：2010-09-29
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

2. 发明申请

US20110106570A1 HEALTHCARE ELIGIBILITY TRANSACTIONS 有权
标题翻译：健康资格交易
公开(公告)号：US20110106570A1
公开(公告)日：2011-05-05
申请号：US12893609
申请日：2010-09-29
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, JR. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, JR. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

3. 发明申请

US20080027863A1 HEALTHCARE ELIGIBILITY TRANSACTIONS 有权
标题翻译：健康资格交易
公开(公告)号：US20080027863A1
公开(公告)日：2008-01-31
申请号：US11460208
申请日：2006-07-26
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

4. 发明授权

US07822624B2 Healthcare eligibility transactions 有权
标题翻译：医疗资格交易
公开(公告)号：US07822624B2
公开(公告)日：2010-10-26
申请号：US11460208
申请日：2006-07-26
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

5. 发明授权

US08464937B2 Account control method and system that allows only eligible and authorized items to be purchased using the account 有权
标题翻译：帐户控制方法和系统，只允许使用该帐户购买合格和授权的物品
公开(公告)号：US08464937B2
公开(公告)日：2013-06-18
申请号：US13004827
申请日：2011-01-11
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户识别有资格购买的至少一个项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

6. 发明申请

US20110173083A1 Account Control Method and System that Allows Only Eligible and Authorized Items to be Purchased Using the Account 有权
标题翻译：允许使用账户购买合格和授权项目的账户控制方法和系统
公开(公告)号：US20110173083A1
公开(公告)日：2011-07-14
申请号：US13004827
申请日：2011-01-11
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, JR. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, JR. , Jeffrey Jay Erdmann
IPC分类号： G06Q20/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户识别有资格购买的至少一个项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

7. 发明授权

US07866548B2 Account control method and system that allows only eligible and authorized items to be purchased using the account 有权
标题翻译：帐户控制方法和系统，只允许使用该帐户购买合格和授权的物品
公开(公告)号：US07866548B2
公开(公告)日：2011-01-11
申请号：US11285053
申请日：2005-11-22
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least on item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户至少识别符合资格购买的项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

8. 发明申请

US20090106115A1 E-Coupon Settlement and Clearing Process 审中-公开
标题翻译：电子结算清算流程
公开(公告)号：US20090106115A1
公开(公告)日：2009-04-23
申请号：US12344954
申请日：2008-12-29
申请人： Vicki L. James , Jeffrey Jay Erdmann
发明人： Vicki L. James , Jeffrey Jay Erdmann
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q30/02 , G06Q30/0225 , G06Q40/12
摘要： A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.
摘要翻译：通过利用现有技术自动清算和结算电子优惠券（E-Coupons）的系统，并且可以对具有电子资金转帐（EFT）功能（如信用卡/借记卡接受）的任何商家进行电子优惠券赎回。该系统减少了欺诈的机会，减少或消除了手工清算所计数和分拣优惠券的需求，并提供了一个电子审核跟踪，用于优惠券赎回，将特定购买交给特定的优惠券。注册和选择优惠券后，消费者然后在商家销售点（POS）终端上使用电子优惠券卡或帐户访问设备。电子优惠券价值从消费者的最终到期金额中扣除。消费品包装商（CPG）和商家都可能收取费用。过期的优惠券将自动从帐户中移除，并将其价值退还给CPG。有关赎回的优惠券和消费者资料的报告可以生成并提供给CPG或商家。

9. 发明授权

US10248951B2 E-coupon settlement and clearing process 有权
公开(公告)号：US10248951B2
公开(公告)日：2019-04-02
申请号：US12344954
申请日：2008-12-29
申请人： Vicki L. James , Jeffrey Jay Erdmann
发明人： Vicki L. James , Jeffrey Jay Erdmann
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/20 , G06Q30/02 , G06Q40/00
摘要： A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.

10. 发明申请

US20070288313A1 E-Coupon System and Method 审中-公开
标题翻译：电子优惠券系统和方法
公开(公告)号：US20070288313A1
公开(公告)日：2007-12-13
申请号：US11741426
申请日：2007-04-27
申请人： Mark Brodson , Vicki L. James , Jeffrey Jay Erdmann
发明人： Mark Brodson , Vicki L. James , Jeffrey Jay Erdmann
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q30/0215 , G06Q30/0238
摘要： A method wherein a consumer registers for an electronic coupon (e-coupon) program and receives an e-coupon card programmed with consumer and corresponding e-coupon account identification information. The consumer selects available coupons from a website which are then loaded into the e-coupon account. Consumer package goods manufacturers (CPGs) are charged the downloaded value of the coupon plus a fee. The consumer may use the e-coupon card at any retailer that has electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. At a retailer's point of sale (POS) terminal, the consumer swipes the card and the cost of items having an e-coupon is adjusted by the corresponding e-coupon value and deducted from the consumer's final amount due. The CPG is also charged a redemption fee and the retailer is charged an interchange fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and redeemer profiles can be generated and provided to the CPGs or retailers.
摘要翻译：一种方法，其中消费者注册电子优惠券（e-coupon）程序并接收用消费者编程的电子优惠券卡和相应的电子优惠券帐户识别信息。消费者从网站中选择可用的优惠券，然后将其加载到电子优惠券帐户中。消费品商品制造商（CPG）收取优惠券的下载价值加上费用。消费者可以在具有电子资金转帐（EFT）功能的任何零售商（例如信用卡/借记卡接受）上使用电子优惠券卡。在零售商的销售点（POS）终端，消费者刷卡，具有电子优惠券的物品的成本由相应的电子优惠券值调整，并从消费者的最终到期金额中扣除。中央人民政府还收取赎回费，零售商收取交换费。过期的优惠券将自动从帐户中移除，并将其价值退还给CPG。可以生成兑换优惠券和兑换器配置文件的报告，并提供给CPG或零售商。

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