HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS

• US 20120239417A1
• Filed: 03/03/2012
• Published: 09/20/2012
• Est. Priority Date: 03/04/2011
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Pourfallah, Stacy S., Lutzen, Renee Y.
• Application Number:
  US13/411,559
• Publication Number:
  US 20120239417A1
• Time in Patent Office: Days
• US Class Current: 705/2
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 10/60 for patient-specific data, e.g. for electronic patient records

Abstract

The HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS (hereinafter “H-Wallet”) transforms patient insurance information, and healthcare procedure schedule information inputs via H-Wallet components into medical claim settlement outputs. In one embodiment, a method is disclosed, comprising: obtaining a user healthcare payment request including user credentials; retrieving healthcare product details and a payment amount from the user healthcare payment request; obtaining balance information of a list of user accounts; determining a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information; transmitting a list of user account including the recommended account with the obtained balance information to the user mobile device; receiving a user selection of the recommended account; verifying payment eligibility of the recommended account for the obtained payment request; and processing fund transfer from the recommended account to a healthcare provider.

Claims

1. A processor-implemented healthcare user payment method, comprising:

obtaining a user healthcare payment request including user credentials;

retrieving healthcare product details and a payment amount from the user healthcare payment request;

obtaining balance information of a plurality of user accounts;

determining a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information;

transmitting a list of user accounts including the recommended account with the obtained balance information to a user mobile device;

receiving a user selection of a payment account from said list of user accounts;

verifying payment eligibility of the payment account for the obtained payment request; and

processing fund transfer from the payment account to a healthcare provider.

2. The method of claim 1, wherein the user healthcare payment request is received via a user electronic wallet instantiated on the user mobile device.

3. The method of claim 1, wherein the user credentials include a user name and a password.

4. The method of claim 1, wherein the user healthcare payment request is received from a healthcare provider point of sale terminal.

5. The method of claim 1, wherein the healthcare product details include a healthcare procedure code.

6. The method of claim 1, wherein the healthcare product details include a product category.

7. The method of claim 1, wherein the payment amount is provided in a medical bill generated by the healthcare provider.

8. The method of claim 1, wherein the obtaining balance information comprises:

transmitting an access request to an account manager, said access request including a secure token; and

receiving balance information from the account manager upon verification of the secure token.

9. The method of claim 1, wherein the user accounts comprises any of a credit card account, a debit account, and an investment account.

10. The method of claim 1, wherein the user accounts comprises a restricted use account.

11. The method of claim 10, wherein the restricted use account comprises any of:

a Flexible Spending Account (FSA), and a Health Savings Accounts (HSA).

12. The method of claim 1, wherein the restricted use account comprises one or more government sponsored accounts, including any of Medicare and Medicaid.

13. The method of claim 1, wherein the restricted use account comprises an employer sponsored healthcare benefit account.

14. The method of claim 1, further comprising:

determining whether the retrieved healthcare product details are eligible for a restricted use account.

15. The method of claim 1, further comprising:

determining whether there is sufficient balance on the user selected account to fulfill the payment amount.

16. The method of claim 1, further comprising:

providing a prioritized list of payment accounts showing the recommended account placed on top of the list.

17. The method of claim 1, further comprising:

receiving an approval from a restricted use account sponsor when the healthcare product details comply with restricted use account rules.

18. The method of claim 1, further comprising:

receiving multiple user selected accounts for the payment request and a user entered split payment amount associated with each of the multiple user selected accounts.

19. A healthcare user payment system, comprising:

a memory;

a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

obtain a user healthcare payment request including user credentials;

retrieve healthcare product details and a payment amount from the user healthcare payment request;

obtain balance information of a plurality of user accounts;

determine a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information;

transmit a list of user accounts including the recommended account with the obtained balance information to a user mobile device;

receive a user selection of a payment account from said list of user accounts;

verify payment eligibility of the payment account for the obtained payment request; and

process fund transfer from the payment account to a healthcare provider.

20. A healthcare user payment processor-readable storage medium storing processor-executable instructions to:

obtain a user healthcare payment request including user credentials;

retrieve healthcare product details and a payment amount from the user healthcare payment request;

obtain balance information of a plurality of user accounts;

determine a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information;

transmit a list of user accounts including the recommended account with the obtained balance information to a user mobile device;

receive a user selection of a payment account from said list of user accounts;

verify payment eligibility of the payment account for the obtained payment request; and

process fund transfer from the payment account to a healthcare provider.