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1. 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。

2. 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。

3. 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。

4. 发明申请

US20080183627A1 Filtered healthcare payment card linked to tax-advantaged accounts 审中-公开
标题翻译：与税收优势帐户相关联的过滤医疗支付卡
公开(公告)号：US20080183627A1
公开(公告)日：2008-07-31
申请号：US11698955
申请日：2007-01-29
申请人： Sarah Harrison , Mark Keck , Sunil Sachdev , Margaret A. Miller
发明人： Sarah Harrison , Mark Keck , Sunil Sachdev , Margaret A. Miller
IPC分类号： G06Q20/00 , H04L9/28 , G06Q50/00
CPC分类号： G06F19/328 , G06Q20/02 , G06Q20/20 , G06Q20/3674 , G06Q50/22
摘要： A system, method and computer program product for linking healthcare purchases to tax advantaged accounts by means of a card containing a card member's data. The system assists in substantiating eligible expenses for participating card holders. The system leverages existing data feeds. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster substantiation of claims and hence, improving customer satisfaction. The individual card member, the card company and a service providing merchant can also communicate through a common platform like a third party website to manually substantiate any pending claims corresponding to purchases. The invention circumvents the need for a card member to use electronic payment cards at only eligible health care merchants and assists individual card members in getting benefits for eligible purchases made using the electronic card at non-healthcare merchants.
摘要翻译：一种系统，方法和计算机程序产品，用于通过包含卡成员数据的卡将医疗保健购买与有利税的账户相关联。该系统协助参与持卡人证明合格费用。该系统利用现有的数据源。通过标记合格的购买，本发明有助于回扣/索赔过程的自动化，从而导致权利要求更快的证实，从而提高客户满意度。个人卡会员，卡片公司和提供服务的商家也可以通过诸如第三方网站的通用平台进行通信，以手动证实与购买相对应的任何未决索赔。本发明规避了卡会员仅在符合条件的医疗保健商家使用电子支付卡的需要，并协助个人卡片会员在非医疗保健商户使用电子卡进行合格购买的利益。

5. 发明申请

US20080197188A1 TRANSMISSION AND CAPTURE OF LINE-ITEM-DETAIL TO ASSIST IN TRANSACTION SUBSTANTIATION AND MATCHING 审中-公开
标题翻译：线项目细节的传输和捕获，以协助交易实体和匹配
公开(公告)号：US20080197188A1
公开(公告)日：2008-08-21
申请号：US11675478
申请日：2007-02-15
申请人： Jason Jagatic , Sarah Harrison , Margaret A. Miller , Sunil Sachdev
发明人： Jason Jagatic , Sarah Harrison , Margaret A. Miller , Sunil Sachdev
IPC分类号： G06K7/00
CPC分类号： G06Q20/20
摘要： A system, method and computer program product for capturing Line-Item-Detail to assist in substantiating eligible expenses for participating card holders. The system leverages existing data feeds to capture Line-Item-Detail at a point of sale (POS). Advanced filtering and transmission protocols are implemented to enable the process of capturing and transmission of data. The system helps to reduce the number of paper receipts that are required from card members, especially those resulting from over the counter purchases at retail stores. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster rebate process and hence, improving customer satisfaction.
摘要翻译：一种系统，方法和计算机程序产品，用于捕获Line-Item-Detail，以协助参与持卡人的合格费用。该系统利用现有的数据馈送来在销售点（POS）处捕获Line-Item-Detail。实现高级过滤和传输协议以实现数据的捕获和传输过程。该系统有助于减少卡成员所需的纸张数量，特别是零售商店的采购数量。通过标记合格的购买，本发明有助于回扣/索赔流程的自动化，从而导致更快的回扣流程，从而提高客户满意度。

6. 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。

7. 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。

8. 发明申请

US20100211493A9 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：US20100211493A9
公开(公告)日：2010-08-19
申请号：US11461396
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 , G06F19/00 , 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. A request to charge a tax-advantaged account for a transaction using the transaction instrument is received at a host computer. A determination is made whether the charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with 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，以便于使用交易工具的卡会员购买。在主计算机上收到使用交易工具收取交易的税收优惠账户的请求。确定费用是否适用于涉及税收优惠的费用。只有当费用确定为适用于有税收优惠的费用时，税收优惠账户才会记入与收费价值相关的积分。

9. 发明申请

US20070185803A1 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：US20070185803A1
公开(公告)日：2007-08-09
申请号：US11461396
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. A request to charge a tax-advantaged account for a transaction using the transaction instrument is received at a host computer. A determination is made whether the charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with 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，以便于使用交易工具的卡会员购买。在主计算机上收到使用交易工具收取交易的税收优惠账户的请求。确定费用是否适用于涉及税收优惠的费用。只有当费用确定为适用于有税收优惠的费用时，税收优惠账户才会记入与收费价值相关的积分。

10. 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。

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