System and Method for Special Accounts
First Claim
1. A method of using a network computer system comprising:
- storing in a central CS sponsor accounts data, including at least one HSA sponsor account, in which said at least one HSA sponsor account includes sponsor identification and an account amount;
receiving at said central CS consumer purchase transaction data records from a POS CS;
applying criteria at said central CS including at least transaction trigger criteria to consumer data records including at least said consumer purchase transaction data records thereby generating transaction trigger responses when said consumer data records satisfy said transaction trigger criteria; and
updating HSA account data and sponsor accounts data stored in a database controlled by said central CS 10 to reflect transactions specified by said transaction trigger responses.
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Accused Products
Abstract
This invention provides methods and system for facilitating funding, disbursing, and accessing consumer tax preferential accounts wherein funding or disbursing is related to consumers POS transactions. Novel network computer systems and methods of their include a POS CS and a central CS. The central CS receives consumer purchase transaction data records from the POS CS. The central CS stores consumer data that may include consumer purchase transaction data records, sponsor accounts including at least one HSA sponsor account, and HSA accounts. The central CS applies funding and/or disbursing criteria to fund and/or disburse funds based upon consumer data records.
38 Citations
39 Claims
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1. A method of using a network computer system comprising:
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storing in a central CS sponsor accounts data, including at least one HSA sponsor account, in which said at least one HSA sponsor account includes sponsor identification and an account amount;
receiving at said central CS consumer purchase transaction data records from a POS CS;
applying criteria at said central CS including at least transaction trigger criteria to consumer data records including at least said consumer purchase transaction data records thereby generating transaction trigger responses when said consumer data records satisfy said transaction trigger criteria; and
updating HSA account data and sponsor accounts data stored in a database controlled by said central CS 10 to reflect transactions specified by said transaction trigger responses. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A network computer system comprising:
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a central CS;
a central CS database controlled by said central CS;
wherein said central CS database stores;
sponsor accounts data, including at least one HSA sponsor account, and wherein said at least one HSA sponsor account includes sponsor identifications and an account amount;
consumer purchase transaction data records from a POS CS;
criteria including at least transaction trigger criteria applicable to consumer data records including at least said consumer purchase transaction data records, wherein application of said criteria to said consumer data records generates transaction trigger responses when said consumer data records satisfy said transaction trigger criteria; and
wherein said central CS is programmed to update HSA account data and sponsor accounts data stored in said central database to reflect transactions specified by said transaction trigger responses.
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38. A network computer system comprising:
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a plurality of POS CSs;
a central CS;
one or more databases storing HSA accounts, said HSA accounts including HSA account identifications and HSA account amounts, and consumer purchase transaction data records generated by POS transactions in said plurality of POS CSs, said consumer purchase transaction data records including product identification codes of products purchased in corresponding transactions, each one of said consumer purchase transaction data records associated with an identifier that is the same as or associated with an HSA account identifier, and each of said product identification codes associated with an indication whether the corresponding product is a QME; and
code for determining QME amounts associated with said consumer purchase transaction data records and updating said HSA account amounts based at least in part upon said QME amounts. - View Dependent Claims (39)
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Specification