AUTOMATED REIMBURSEMENT INTERACTIONS
First Claim
1. A computerized immediate settlement insurance claim payment system comprising:
- insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, and associating said policy with a payment-enabled mobile communicator to be carried by said insured and, upon the occurrence of an insured event, to be employed by said insured to cover at least part of the cost of said insured event, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured via an identified credit card account of said insured;
at least near real time automatic insurance claim verification functionality which is operative to automatically verify the right of said insured to obtain payment from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment and the location of said recipient as identified by said mobile communicator;
insurance claim documentation requesting functionality operative to request, at the initiative of said insurer, documentation relating to said insured event; and
chargeback functionality operative to charge back, at the initiative of said insurer, at least part of said payment via said identified credit card account of said insured.
1 Assignment
0 Petitions
Accused Products
Abstract
A computerized reimbursement system including at least one reimbursement-enabled mobile communicator having computerized memory functionality, computerized communications functionality and wireless payment functionality and at least one reimbursement-enabled computer server having computerized memory functionality and computerized communications functionality, at least one of the at least one reimbursement-enabled mobile communicator and the at least one reimbursement-enabled computer server storing reimbursement policy parameters which are selectable by a reimbursing party using the system, the reimbursement policy parameters including at least payee location and transaction amount, at least one of the at least one mobile communicator and the at least one computer server being operative to automatically complete payment transactions which are compliant with the reimbursement policy parameters and to automatically reject payment transactions which are not compliant with the reimbursement policy parameters.
19 Citations
20 Claims
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1. A computerized immediate settlement insurance claim payment system comprising:
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insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, and associating said policy with a payment-enabled mobile communicator to be carried by said insured and, upon the occurrence of an insured event, to be employed by said insured to cover at least part of the cost of said insured event, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured via an identified credit card account of said insured; at least near real time automatic insurance claim verification functionality which is operative to automatically verify the right of said insured to obtain payment from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment and the location of said recipient as identified by said mobile communicator; insurance claim documentation requesting functionality operative to request, at the initiative of said insurer, documentation relating to said insured event; and chargeback functionality operative to charge back, at the initiative of said insurer, at least part of said payment via said identified credit card account of said insured. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computerized reimbursement system comprising:
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at least one reimbursement-enabled mobile communicator having computerized memory functionality, computerized communications functionality and wireless payment functionality; and at least one reimbursement-enabled computer server having computerized memory functionality and computerized communications functionality, at least one of said at least one reimbursement-enabled mobile communicator and said at least one reimbursement-enabled computer server storing reimbursement policy parameters which are selectable by a reimbursing party using the system, said reimbursement policy parameters including at least payee location and transaction amount; at least one of said at least one mobile communicator and said at least one computer server being operative to automatically complete payment transactions which are compliant with said reimbursement policy parameters and to automatically reject payment transactions which are not compliant with said reimbursement policy parameters. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification
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- Resources
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Current AssigneeDavidshield LIA Limited
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Original AssigneeDavidshield LIA Limited
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InventorsKETZEF, Alon
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Application NumberUS13/900,919Publication NumberTime in Patent OfficeDaysField of SearchUS Class Current705/4CPC Class CodesG06Q 40/08 Insurance
