PORTABLE PRESCRIPTION TRANSACTION PAYMENT DEVICE

• US 20110079648A1
• Filed: 10/05/2009
• Published: 04/07/2011
• Est. Priority Date: 10/05/2009
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Pourfallah, Stacy
• Granted Patent: US 8,413,905 B2
• Time in Patent Office: Days
• US Class Current: 235/492
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 17/0092 for assembling and dispensing of pharmaceutical articles medical dispensers for private use, A61J7/00
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16H 20/10 relating to drugs or medications, e.g. for ensuring correct administration to patients

Abstract

A portable prescription sample transaction payment device has a substrate with a surface rendering corresponding to a prescription medical supply sample. Memory, in contact with the substrate, stores an identifier for the prescription medical supply sample, a quantity for the prescription medical supply sample, a dosage for the prescription medical supply sample, and an identifier for a patient. The memory also stores a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample. An image corresponding to the prescription medical supply sample is stored in the memory, as is an identifier for a prescribing medical practitioner prescribing the prescription medical supply sample to the patient.

Claims

1. A portable prescription sample transaction payment device comprising:

a substrate having surface with an image rendering thereon that corresponds to a prescription medical supply sample; and

memory, in contact with the substrate, having data encoded therein including;

an identifier for the prescription medical supply sample;

a quantity for the prescription medical supply sample;

a dosage for the prescription medical supply sample; and

an identifier for a patient;

a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample;

an image corresponding to the prescription medical supply sample; and

an identifier for a prescribing medical practitioner prescribing the prescription medical supply sample to the patient.

2. The portable prescription sample transaction payment device as defined in claim 1, wherein:

the pharmaceutical company account is a type of consumer account issued by an issuer to a pharmaceutical company;

the portable prescription sample transaction payment device is a type of a portable prescription sample transaction payment device that is associated with a consumer account for a consumer to engage in a plurality of transactions on the consumer account with a plurality of merchants in a payment processing network;

the payment processing network includes a plurality of merchants and consumers engaging in a plurality of transactions on a plurality of respective consumer accounts that respective issuers issue to the consumers; and

each said transaction involves the merchant submitting the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the transaction from the consumer account, and wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the transaction.

3. The portable prescription sample transaction payment device as defined in claim 1, wherein the data encoded in the memory further includes an image of a prescription for the patient from the prescribing medical practitioner.

4. The portable prescription sample transaction payment device as defined in claim 3, wherein the image of the prescription comprises respective images corresponding to:

the identifier for the patient;

the identifier for the prescribing medical practitioner of the prescription medical supply sample;

the identifier for the prescription medical supply sample; and

the quantity of the prescription medical supply sample.

5. The portable prescription sample transaction payment device as defined in claim 1, wherein the image corresponding to the prescription medical supply sample includes a code identifying the prescription medical supply sample and configured for being scanned by a scanner at a Point of Service terminal.

6. The portable prescription sample transaction payment device as defined in claim 1, wherein the image corresponding to the prescription medical supply sample includes an advertisement selected from the group consisting of:

an advertisement for the prescription medical supply sample;

an advertisement not for the prescription medical supply sample;

an advertisement for the dispensing pharmacist;

an advertisement for a different product other than the prescription medical supply sample that is also provided by the dispensing pharmacist; and

a combination of the foregoing.

7. The portable prescription sample transaction payment device as defined in claim 1, wherein the image corresponding to the prescription medical supply sample includes an advertisement selected from the group consisting of:

an advertisement for a merchant geographically proximal to the prescribing medical practitioner;

an advertisement for a merchant geographically proximal to the dispensing pharmacist; and

a combination of the foregoing.

8. The portable prescription sample transaction payment device as defined in claim 1, wherein the memory of the portable prescription sample transaction payment device is selected from the group consisting of:

a non-volatile memory of a semiconductor device;

a magnetic encoded data region of a magnetic stripe; and

a combination of the foregoing.

9. The portable prescription sample transaction payment device as defined in claim 1, wherein the substrate is a portion of a consumer transaction payment card selected from the group consisting of:

a smart card having a Radio Frequency Identification (RFID) tag, a transponder device and a microchip; and

a magstripe card; and

a combination of the foregoing.

10. The portable prescription sample transaction payment device as defined in claim 1, further comprising means for the memory to receive the information by a communication selected from the group consisting of a wireless communication, a hardwired communication, and a magnetic encoded communication for track data received by modifying the magnetism of magnetic particles on a band of magnetic material on the portable prescription sample transaction payment device.

11. The portable prescription sample transaction payment device as defined in claim 1, wherein data in the memory of the portable prescription sample transaction payment device further comprises an identifier, a quantity, and a dosage of a prescription medical supply, other than the prescription medical supply sample, being prescribed by the prescribing medical practitioner to the patient.

12. The portable prescription sample transaction payment device as defined in claim 11, wherein the identifier for the prescription medical supply sample and the identifier for the prescription medical supply, other than the prescription medical supply sample, are both selected from the group consisting of:

a Stock Keeping Unit (SKU);

a Universal Product Code (UPC);

a National Drug Code (NDC);

a trademark;

a commodity type and a trade name of a provider of the commodity type;

an active ingredient of the commodity type and the trade name of the provider of the commodity type; and

a combination of the foregoing.

13. A portable prescription transaction payment device comprising:

memory, embedded in a substrate, having stored therein;

an identifier, quantity, and dosage for each of a plurality of;

a prescription medical supply sample prescribed by a prescribing medical practitioner to a patient; and

a non-sample prescription medical supply each being prescribed by a corresponding said prescribing medical practitioner to the patient;

for each said prescription medical supply sample, a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample;

an identifier for the patient;

an identifier for each said prescribing medical practitioner;

an identifier for a consumer account issued by an issuer to the patient; and

an identifier to correlate which said prescription for the patient was prescribed by which said prescribing medical practitioner, wherein;

the pharmaceutical company account and the consumer account are each an account in a payment processing network by which a consumer can engage in a plurality of transactions on the account with a plurality of merchants in the payment processing network;

the payment processing network includes a plurality of said merchants and said consumers engaging in the plurality of said transactions on a plurality of respective said accounts that respective said issuers issue to the consumers; and

each said transaction involves the merchant submitting the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the transaction from the account, wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the transaction; and

means for providing access to the information in the memory.

14. The portable prescription transaction payment device as defined in claim 13, wherein the consumer account issued by the issuer to the patient is a type selected from the group consisting of a Flexible Savings Account (FSA), a Health Savings Account (HAS), or a Health Reimbursement Account (HRA).

15. The portable prescription transaction payment device as defined in claim 13, wherein the substrate has an image in a surface that the includes representing at least a portion of the information in the memory for being read by the image being scanned by a scanner at a Point of Service terminal.

16. The portable prescription transaction payment device as defined in claim 13, wherein the memory is selected from the group consisting of:

a non-volatile memory of a semiconductor device;

a magnetic encoded data region of a magnetic stripe; and

a combination of the foregoing.

17. The portable prescription transaction payment device as defined in claim 13, wherein the substrate is a portion of a consumer transaction payment card selected from the group consisting of:

a smart card having a Radio Frequency Identification (RFID) tag, a transponder device and a microchip; and

a magstripe card; and

a combination of the foregoing.

18. The portable prescription transaction payment device as defined in claim 13, wherein the information in the memory further includes an image of each said prescription for the patient that was prescribed by the corresponding said prescribing medical practitioner.

19. The portable prescription transaction payment device as defined in claim 18, wherein, for each said image of each said prescription, the prescription in the image is hand written by the prescribing medical practitioner.

20. The portable prescription transaction payment device as defined in claim 18, further comprising means for the memory to receive the information by a communication selected from the group consisting of a wireless communication, a hardwired communication, and a magnetic encoded communication for track data received by modifying the magnetism of magnetic particles on a band of magnetic material on the portable prescription sample transaction payment device.

21. The portable prescription transaction payment device as defined in claim 20, wherein, for each said image of each said prescription, the identifier for the prescribing medical practitioner comprises a handwritten signature of the prescribing medical practitioner.

22. The portable prescription transaction payment device as defined in claim 18, wherein each said image of each said prescription comprises respective images corresponding to:

the identifier for the patient;

the identifier for the prescribing medical practitioner; and

the identifier, quantity, and dosage identifier for the prescription medical supply sample; and

the identifier, quantity, and dosage identifier for the non-sample prescription medical supply.

23. A portable prescription transaction payment device comprising:

memory, embedded in a substrate, having information stored therein, wherein;

the substrate has an image on a surface thereof that includes a representation of at least a portion of the information in the memory for being read by the image being scanned by a scanner at a Point of Service terminal;

the information includes;

an identifier, quantity, and dosage for each of a plurality of;

a prescription medical supply sample prescribed by a prescribing medical practitioner to a patient; and

a non-sample prescription medical supply prescribed by a corresponding said prescribing medical practitioner to the patient;

an image, having multiple portion, of each said prescription for the patient that was prescribed by the corresponding said prescribing medical practitioner, wherein the portions of the image correspond to;

the identifier for the patient;

the identifier for the prescribing medical practitioner; and

the identifier, quantity, and dosage identifier for the prescription medical supply sample; and

the identifier, quantity, and dosage identifier for the non-sample prescription medical supply;

for each said prescription medical supply sample, a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample; and

an identifier to correlate which said prescription for the patient was prescribed by which said prescribing medical practitioner, wherein;

the pharmaceutical company account and the consumer account are each an account in a payment processing network by which a consumer can engage in a plurality of transactions on the account with a plurality of merchants in the payment processing network;

the payment processing network includes a plurality of said merchants and said consumers engaging in the plurality of said transactions on a plurality of respective said accounts that respective said issuers issue to the consumers; and

each said transaction involves the merchant submitting the transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the transaction from the account, wherein the issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to reimburse the merchant for the transaction; and

means for providing access to the information in the memory.

24. The portable prescription transaction payment device as defined in claim 23, wherein the memory is selected from the group consisting of:

a non-volatile memory of a semiconductor device;

a magnetic encoded data region of a magnetic stripe; and

a combination of the foregoing.

25. The portable prescription transaction payment device as defined in claim 23, wherein the substrate is a portion of a consumer transaction payment card selected from the group consisting of:

a smart card having a Radio Frequency Identification (RFID) tag, a transponder device and a microchip; and

a magstripe card; and

a combination of the foregoing.

26. The portable prescription transaction payment device as defined in claim 23, further comprising means for the memory to receive the information by a communication selected from the group consisting of a wireless communication, a hardwired communication, and a magnetic encoded communication for track data received by modifying the magnetism of magnetic particles on a band of magnetic material on the portable prescription sample transaction payment device.

27. The portable prescription transaction payment device as defined in claim 23, wherein, for each said image of each said prescription, the identifier for the prescribing medical practitioner comprises a handwritten signature of the prescribing medical practitioner.

28. The portable prescription transaction payment device as defined in claim 23, wherein, for each said image of each said prescription, the prescription in the image is hand written by the prescribing medical practitioner.