SYSTEMS AND METHODS FOR FINANCIAL PROCESSING FOR A VIRTUAL PHARMACY

• US 20120253833A1
• Filed: 03/30/2011
• Published: 10/04/2012
• Est. Priority Date: 03/30/2011
• Status: Abandoned Application

• Current Assignee: McKesson Corp.
• Original Assignee: McKesson Corp.
• Inventors: John, Pramod, Gallacher, Sean, Reddy, Rick
• Application Number:
  US13/076,040
• Publication Number:
  US 20120253833A1
• Time in Patent Office: Days
• US Class Current: 705/2
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and methods may be provided for financial processing for a virtual pharmacy. The systems and methods may include receiving, by a non-dispensing virtual pharmacy comprising one or more computers, an electronic prescription associated with a patient, where the electronic prescription is associated with at least one drug or product prescribed for the patient; determining, by the virtual pharmacy, a respective patient payable amount for filling the prescription at each of the plurality of dispensing pharmacies; delivering, in real-time from the virtual pharmacy to a patient device, an identification of the plurality of dispensing pharmacies; receiving, by the virtual pharmacy from the patient device, a selection of one of the plurality of dispensing pharmacies; directing, by the virtual pharmacy, financial processing for the respective patient payable amount corresponding to the selected pharmacy to generate financial processing information; and delivering, by the virtual pharmacy to the selected pharmacy, the electronic prescription and the financial processing information.

Claims

1. A method for financial processing, comprising:

receiving, by a non-dispensing virtual pharmacy comprising one or more computers, an electronic prescription associated with a patient, wherein the electronic prescription is associated with at least one drug or product prescribed for the patient;

determining, by the non-dispensing virtual pharmacy, a respective patient payable amount for filling the prescription at each of the plurality of dispensing pharmacies;

delivering, in real-time from the non-dispensing virtual pharmacy to a patient device, an identification of the plurality of dispensing pharmacies;

receiving, by the non-dispensing virtual pharmacy from the patient device, a selection of one of the plurality of dispensing pharmacies;

directing, by the non-dispensing virtual pharmacy, financial processing for the respective patient payable amount corresponding to the selected pharmacy to generate financial processing information; and

delivering, by the non-dispensing virtual pharmacy to the selected pharmacy, the electronic prescription and the financial processing information.

2. The method of claim 1, wherein prior to performing the financial processing, the method further comprises:

obtaining identification of a financial instrument for payment of the respective patient payable amount corresponding to the selected retail pharmacy.

3. The method of claim 2, wherein the identification of the financial instrument is received from the patient device.

4. The method of claim 3, wherein the financial instrument is associated with a deposit account, a credit card, a debit card, a healthcare savings account (HSA), or a flexible spending account (FSA).

5. The method of claim 1, wherein the financial processing includes preparing a payment authorization form that authorizes the selected pharmacy to obtain payment of the respective patient payable amount from a financial instrument.

6. The method of claim 1, wherein the financial processing includes facilitating a prescription claim transaction associated with filling the prescription at the selected pharmacy.

7. The method of claim 6, wherein the financial processing information indicates that prescription claim transaction was paid by a payor.

8. The method of claim 1, wherein the financial processing includes directing a debit transaction of the respective patient payable amount from a financial instrument associated with the patient.

9. The method of claim 8, wherein the financial processing information indicates that a debit transaction was successfully performed.

10. The method of claim 1, wherein the patient payable amount is characterized as a co-pay amount or a co-insurance amount.

11. A system, comprising:

at least one memory that stores computer-executable instructions;

at least one processor configured to access the at least one memory, wherein the at least one processor is further configured to execute the computer-executable instructions to;

receive an electronic prescription associated with a patient, wherein the electronic prescription is associated with at least one drug or product prescribed for the patient;

determine a respective patient payable amount for filling the prescription at each of the plurality of dispensing pharmacies;

deliver, in real-time to a patient device, an identification of the plurality of dispensing pharmacies;

receive, from the patient device, a selection of one of the plurality of dispensing pharmacies;

direct financial processing for the respective patient payable amount corresponding to the selected pharmacy to generate financial processing information; and

deliver, by the non-dispensing virtual pharmacy to the selected pharmacy, the electronic prescription and the financial processing information.

12. The system of claim 11, wherein prior to performing the financial processing, the at least one processor may be further configured to execute the computer-executable instructions to:

obtain identification of a financial instrument for payment of the respective patient payable amount corresponding to the selected retail pharmacy.

13. The system of claim 12, wherein the identification of the financial instrument is received from the patient device.

14. The system of claim 13, wherein the financial instrument is associated with a deposit account, a credit card, a debit card, a healthcare savings account (HSA), or a flexible spending account (FSA).

15. The system of claim 11, wherein the financial processing includes preparing a payment authorization form that authorizes the selected pharmacy to obtain payment of the respective patient payable amount from a financial instrument.

16. The system of claim 11, wherein the financial processing includes facilitating a prescription claim transaction associated with filling the prescription at the selected pharmacy.

17. The system of claim 16, wherein the financial processing information indicates that prescription claim transaction was paid by a payor.

18. The system of claim 11, wherein the financial processing includes directing a debit transaction of the respective patient payable amount from a financial instrument associated with the patient.

19. The system of claim 18, wherein the financial processing information indicates that a debit transaction was successfully performed.

20. The system of claim 11, wherein the patient payable amount is characterized as a co-pay amount or a co-insurance amount.