INFLUENZA VACCINE ADMINISTRATION PAYMENT DEVICE PROCESSING

• US 20110145008A1
• Filed: 08/12/2010
• Published: 06/16/2011
• Est. Priority Date: 08/14/2009
• Status: Active Grant

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated), Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated), Visa USA, Inc. (Visa, Inc.)
• Inventors: Radlow, Andrew, Taylor, Mary Theresa, Cervenka, Karen L., Pourfallah, Stacy
• Granted Patent: US 10,614,458 B2
• Time in Patent Office: Days
• US Class Current: 705/2
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G16H 20/10 relating to drugs or medications, e.g. for ensuring correct administration to patients

Abstract

A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.

Claims

1. A payment device comprising:

a portable tangible object including;

an identifier for an influenza vaccine; and

an identifier for an account issued to an account holder by an issuer and upon which a transaction can be conducted between a bearer of the payment device and any of a predetermined set of healthcare providers, wherein;

the account holder to which the issuer issued the account is a governmental entity from whom the bearer receives the payment device;

the transaction is limited to the sale of a service of administering the influenza vaccine;

the identifiers are sufficient for a determination by the issuer whether one said healthcare provider is authorized to;

administer the influenza vaccine; and

conduct the transaction on the account for the administration of the influenza vaccine;

and

means by which the identifiers can be read from the portable tangible object.

2. A method of using the payment device of claim 1, comprising:

presenting the portable tangible object to the one said healthcare provider;

sending, from the one said healthcare provider for delivery to the issuer, an authorization request to conduct the transaction on the account for the sale of the service of the administering of the influenza vaccine, wherein the authorization request includes the identifiers;

receiving the authorization request at the issuer;

determining, at the issuer, from the identifiers that;

the account is authorized for the transaction on the account for the sale of the service of the administering of the influenza vaccine; and

the one said healthcare provider is authorized to provide the service of the administering of the influenza vaccine;

sending, from the issuer for delivery to the one said healthcare provider, an authorization response to the authorization request;

receiving, at the one said healthcare provider, the authorization response;

and

after the receiving of the authorization response, the one said healthcare provider;

administering the influenza vaccine; and

conducting the transaction on the account for the sale of the service of the administering of the influenza vaccine.

3. The method as defined in claim 2, wherein the sending of the authorization request for delivery to the issuer further comprises the steps of:

receiving, at an acquirer for the one said healthcare provider, the authorization request;

sending, from the acquirer, the authorization request for delivery to a transaction handler;

receiving, at the transaction handler, the authorization request; and

sending, from the transaction handler, the authorization request for delivery to the issuer.

4. The method as defined in claim 3, wherein the sending of the authorization response to the authorization request further comprises the steps of:

receiving, at the transaction handler, the authorization response;

sending, from the transaction handler, the authorization response for delivery to the acquirer;

receiving, at the acquirer, the authorization response; and

sending, from the acquirer, the authorization response for delivery to the issuer.

5. The method as defined in claim 2, wherein the issuer sends the authorization response to authorize the transaction on the account when the account has an insufficient balance, whereby an amount for the transaction will be collected by the issuer from a third party after the transaction has been conducted between the bearer of the payment device and the one said healthcare provider.

6. The method as defined in claim 1, wherein the means by which the identifiers can be read from the portable tangible object is selected from the group consisting of a magnetic strip and visual indicia on a surface of the portable tangible object.

7. A non-transient computer readable medium comprising instructions which, when executed by a computer, the computer performs the method of claim 2.

8. A payment device comprising:

a portable tangible object including;

an identifier for an influenza vaccine; and

an identifier for an account issued to an account holder by an issuer and upon which a transaction can be conducted between a bearer of the payment device and any of a predetermined set of healthcare providers, wherein;

the transaction is limited to the sale of a service of administering the influenza vaccine;

the identifiers are sufficient for a determination by the issuer whether one said healthcare provider is authorized to;

administer the influenza vaccine; and

conduct the transaction on the account for the administration of the influenza vaccine;

and

one of a magnetic strip and visual indicia on a surface of the portable tangible object by which the identifiers can be read from the portable tangible object.

9. A method of using the payment device of claim 8, comprising:

presenting the portable tangible object to the one said healthcare provider;

sending, from the one said healthcare provider for delivery to the issuer, an authorization request to conduct the transaction on the account for the sale of the service of the administering of the influenza vaccine, wherein the authorization request includes the identifiers;

receiving the authorization request at the issuer;

determining, at the issuer, from the identifiers that;

the account is authorized for the transaction on the account for the sale of the service of the administering of the influenza vaccine; and

the one said healthcare provider is authorized to provide the service of the administering of the influenza vaccine;

sending, from the issuer for delivery to the one said healthcare provider, an authorization response to the authorization request;

receiving, at the one said healthcare provider, the authorization response;

and

after the receiving of the authorization response, the one said healthcare provider;

administering the influenza vaccine; and

conducting the transaction on the account for the sale of the service of the administering of the influenza vaccine.

10. The method as defined in claim 9, wherein the sending of the authorization request for delivery to the issuer further comprises the steps of:

receiving, at an acquirer for the one said healthcare provider, the authorization request;

sending, from the acquirer, the authorization request for delivery to a transaction handler;

receiving, at the transaction handler, the authorization request; and

sending, from the transaction handler, the authorization request for delivery to the issuer.

11. The method as defined in claim 10, wherein the sending of the authorization response to the authorization request further comprises the steps of:

receiving, at the transaction handler, the authorization response;

sending, from the transaction handler, the authorization response for delivery to the acquirer;

receiving, at the acquirer, the authorization response; and

sending, from the acquirer, the authorization response for delivery to the issuer.

12. The method as defined in claim 9, wherein the issuer sends the authorization response to authorize the transaction on the account when the account has an insufficient balance, whereby an amount for the transaction will be collected by the issuer from a third party after the transaction has been conducted between the bearer of the payment device and the one said healthcare provider.

13. A non-transient computer readable medium comprising instructions which, when executed by a computer, the computer performs the method of claim 9.

14. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:

presenting, to one healthcare provider of a predetermined set of said healthcare providers, a payment device that includes;

a portable tangible object having;

an identifier for an influenza vaccine; and

an identifier for an account issued to an account holder by an issuer and upon which a transaction can be conducted between a bearer of the payment device and any said healthcare provider in the predetermined set, wherein;

the transaction is limited to the sale of a service of administering the influenza vaccine;

the identifiers are sufficient for a determination by the issuer whether one said healthcare provider is authorized to;

administer the influenza vaccine; and

conduct the transaction on the account for the administration of the influenza vaccine;

and

means by which the identifiers can be read from the portable tangible object;

sending, from the one said healthcare provider for delivery to the issuer, an authorization request to conduct the transaction on the account for the sale of the service of the administering of the influenza vaccine, wherein the authorization request includes the identifiers;

receiving the authorization request at the issuer;

determining, at the issuer, from the identifiers that;

the account is authorized for the transaction on the account for the sale of the service of the administering of the influenza vaccine; and

the one said healthcare provider is authorized to provide the service of the administering of the influenza vaccine;

sending, from the issuer for delivery to the one said healthcare provider, an authorization response to the authorization request;

receiving, at the one said healthcare provider, the authorization response;

and

after the receiving of the authorization response, the one said healthcare provider;

administering the influenza vaccine; and

conducting the transaction on the account for the sale of the service of the administering of the influenza vaccine.

15. The method as defined in claim 14, wherein the sending of the authorization request for delivery to the issuer further comprises the steps of:

receiving, at an acquirer for the one said healthcare provider, the authorization request;

sending, from the acquirer, the authorization request for delivery to a transaction handler;

receiving, at the transaction handler, the authorization request; and

sending, from the transaction handler, the authorization request for delivery to the issuer.

16. The method as defined in claim 15, wherein the sending of the authorization response to the authorization request further comprises the steps of:

receiving, at the transaction handler, the authorization response;

sending, from the transaction handler, the authorization response for delivery to the acquirer;

receiving, at the acquirer, the authorization response; and

sending, from the acquirer, the authorization response for delivery to the issuer.

17. The method as defined in claim 14, wherein the issuer sends the authorization response to authorize the transaction on the account when the account has an insufficient balance, whereby an amount for the transaction will be collected by the issuer from a third party after the transaction has been conducted between the bearer of the payment device and the one said healthcare provider.

18. The method as defined in claim 15, wherein:

the account holder to which the issuer issued the account is a governmental entity from whom the bearer receives the payment device; and

the means by which the identifiers can be read from the portable tangible object is selected from the group consisting of a magnetic strip and visual indicia on a surface of the portable tangible object.

19. The method as defined in claim 17, wherein:

the account holder to which the issuer issued the account is a governmental entity from whom the bearer receives the payment device; and

the means by which the identifiers can be read from the portable tangible object is selected from the group consisting of a magnetic strip and visual indicia on a surface of the portable tangible object.

20. A non-transient computer readable medium comprising instructions which, when executed by a computer, the computer performs the method of claim 14.