AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM
First Claim
1. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
- receiving, at an address of an issuer of a healthcare service sponsor account from an address of a transaction handler, a payment network authorization request message originating from an address of a healthcare provider, wherein;
the payment network authorization request message includes;
a healthcare service sponsor account identifier for the healthcare service sponsor account issued by the issuer to a sponsor who is financially responsible for reimbursing the healthcare provider for a cost of providing a healthcare service to a patient;
an identifier for the healthcare service;
an amount for the cost of providing the healthcare service to the patient; and
an identifier, corresponding to the healthcare service sponsor account, that is globally unique for a single purpose card redeemable by a bearer thereof for the redemption of the cost of providing the healthcare service;
andthe payment network authorization request message does not include information that identifies for the patient;
validating use of the healthcare service sponsor account for payment of the cost of providing the healthcare service to the patient;
sending, from the address of the issuer of the healthcare service sponsor account, for delivery to the address of the healthcare provider through the transaction handler, in response to said payment network authorization request message, an authorization approval message;
deactivating for future use the identifier, corresponding to the healthcare service sponsor account, that is globally unique for the single purpose card; and
when the healthcare service sponsor account has insufficient funds to reimburse the healthcare provider for the qualified amount of the total purchase amount, sending a request for the insufficient funds for delivery to an address of the sponsor.
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Accused Products
Abstract
An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.
135 Citations
21 Claims
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1. A method comprising a plurality of steps, each being performed by hardware executing software, wherein the steps include:
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receiving, at an address of an issuer of a healthcare service sponsor account from an address of a transaction handler, a payment network authorization request message originating from an address of a healthcare provider, wherein; the payment network authorization request message includes; a healthcare service sponsor account identifier for the healthcare service sponsor account issued by the issuer to a sponsor who is financially responsible for reimbursing the healthcare provider for a cost of providing a healthcare service to a patient; an identifier for the healthcare service; an amount for the cost of providing the healthcare service to the patient; and an identifier, corresponding to the healthcare service sponsor account, that is globally unique for a single purpose card redeemable by a bearer thereof for the redemption of the cost of providing the healthcare service; and the payment network authorization request message does not include information that identifies for the patient; validating use of the healthcare service sponsor account for payment of the cost of providing the healthcare service to the patient; sending, from the address of the issuer of the healthcare service sponsor account, for delivery to the address of the healthcare provider through the transaction handler, in response to said payment network authorization request message, an authorization approval message; deactivating for future use the identifier, corresponding to the healthcare service sponsor account, that is globally unique for the single purpose card; and when the healthcare service sponsor account has insufficient funds to reimburse the healthcare provider for the qualified amount of the total purchase amount, sending a request for the insufficient funds for delivery to an address of the sponsor. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
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reading from information encoded in a portable consumer payment device; a healthcare service to be administered by a healthcare provider to a patient; a controlled substance for which the patient does not have a prescription; and a healthcare service sponsor account identifier for a healthcare service sponsor account issued to a sponsor who is financially responsible for reimbursing the unidentified healthcare provider for the cost of providing the healthcare service to the patient by payment from the healthcare service sponsor account for an administration of the controlled substance by the healthcare provider to the patient; for a match of a healthcare service inventory code corresponding to the healthcare service and a match of the healthcare service inventory code to a qualified healthcare service category under said healthcare service sponsor account, forming a transmission containing a payment network authorization request message requesting use of said healthcare service sponsor account for a payment transaction request for the healthcare service, wherein; said payment network authorization request message includes; a total purchase amount for the matching said obtained healthcare service inventory code; and a qualified amount of the total purchase amount eligible for use of said healthcare service sponsor account for the payment transaction request for the healthcare service; and said payment network authorization request message does not include information that identifies the patient; sending the payment network authorization request message from an address of the healthcare provider for delivery to an address of an issuer of the healthcare service sponsor account; and receiving at the address of the healthcare provider, in response to said payment network authorization request message, an authorization approval message originating from the address of the issuer of the healthcare service sponsor account. - View Dependent Claims (8, 9, 10, 11)
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12. A method of authorizing a payment transaction request through a payment network for a healthcare service to be administered by a healthcare provider to a patient, wherein the payment transaction is conducted upon a healthcare service sponsor account, said method comprising a plurality of steps each being performed by hardware executing software, wherein the steps include:
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obtaining a healthcare service sponsor account identifier for the healthcare service sponsor account, wherein; the healthcare service sponsor account identifier is encoded in a portable consumer payment device; the portable consumer payment device contains encoded information that identifies the healthcare service that is to be administered to a patient; the healthcare service includes; a controlled substance for which the patient does not have a prescription; and an administration of the controlled substance by the healthcare provider to the patient; the healthcare service sponsor account is issued to a sponsor who is financially responsible for reimbursing the healthcare provider for the cost of providing the healthcare service to the patient; determining that the obtained healthcare service sponsor account identifier is valid by matching said healthcare service sponsor account identifier against a stored set of healthcare service sponsor account identifiers; for the matching said healthcare service sponsor account identifier; obtaining a healthcare service inventory code corresponding to the healthcare service; and determining; that the obtained healthcare service inventory code matches a qualified healthcare service category under said healthcare service sponsor account; a total purchase amount for the matching said obtained healthcare service inventory code; and a qualified amount of the total purchase amount eligible for use of said healthcare service sponsor account; and for the matching said obtained healthcare service inventory code, forming a transmission containing a payment network authorization request message requesting use of said healthcare service sponsor account for payment for the healthcare service, wherein; said payment network authorization request message includes; the total purchase amount for the matching said obtained healthcare service inventory code; and the qualified amount of the total purchase amount eligible for use of said healthcare service sponsor account for the payment transaction request for the healthcare service; and said payment network authorization request message does not includes an identification of the patient; sending said payment network authorization request message from an address of the healthcare provider for delivery, through an acquirer for the healthcare provider and through a transaction handler, to an address of an issuer of the healthcare service sponsor account who issued to the healthcare service sponsor account to the sponsor; receiving at the address of the healthcare provider, in response to said payment network authorization request message, an authorization approval message originating from the address of the issuer. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification