Health care eligibility verification and settlement systems and methods
First Claim
Patent Images
1. A point-of-care device comprising:
- a base unit adapted for performing healthcare functions at a point-of-care, wherein the base unit includes;
a base unit housing;
a computer-readable storage device;
a processor disposed within the base unit housing and configured to process a plurality of transaction types, wherein one of the plurality of transaction types is a healthcare insurance verification transaction, and execute computer-readable code stored on the computer-readable storage device, the code including;
code for retrieving patient data from a first track of a magnetic stripe of a healthcare presentation instrument, the healthcare presentation instrument associated with a patient;
code for generating a request for a healthcare information packet based on the patient data from the healthcare presentation instrument;
code for transmitting the request for the healthcare information packet to a healthcare eligibility verification system via a credit card transaction processing network;
code for receiving the healthcare information packet from the healthcare eligibility verification system via the credit card transaction processing network;
code for presenting at least part of the content of the healthcare information packet to the healthcare provider;
code for retrieving stored-value account information from a second track of the magnetic stripe of the healthcare presentation instrument, wherein;
the stored value account information identifies a stored value account associated with funds designated for healthcare expenses, andthe first track and the second track of the magnetic stripe are different tracks;
code for generating a request to debit the stored-value account; and
code for transmitting the request to debit the stored-value account to a financial settlement system, via the credit card transaction processing network, wherein the financial settlement system is separate from the healthcare eligibility system; and
an input device configured to receive the healthcare insurance information and the stored-value account information from the healthcare presentation instrument.
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Abstract
Devices, systems, and methods for processing healthcare and financial transactions are provided. A point-of-care terminal for processing a healthcare transaction by a healthcare provider includes a reader configured to read information from a healthcare eligibility and settlement presentation instrument associated with a patient, and a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction includes at least one of a healthcare eligibility verification transaction and a healthcare settlement transaction.
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Citations
17 Claims
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1. A point-of-care device comprising:
a base unit adapted for performing healthcare functions at a point-of-care, wherein the base unit includes; a base unit housing; a computer-readable storage device; a processor disposed within the base unit housing and configured to process a plurality of transaction types, wherein one of the plurality of transaction types is a healthcare insurance verification transaction, and execute computer-readable code stored on the computer-readable storage device, the code including; code for retrieving patient data from a first track of a magnetic stripe of a healthcare presentation instrument, the healthcare presentation instrument associated with a patient; code for generating a request for a healthcare information packet based on the patient data from the healthcare presentation instrument; code for transmitting the request for the healthcare information packet to a healthcare eligibility verification system via a credit card transaction processing network; code for receiving the healthcare information packet from the healthcare eligibility verification system via the credit card transaction processing network; code for presenting at least part of the content of the healthcare information packet to the healthcare provider; code for retrieving stored-value account information from a second track of the magnetic stripe of the healthcare presentation instrument, wherein; the stored value account information identifies a stored value account associated with funds designated for healthcare expenses, and the first track and the second track of the magnetic stripe are different tracks; code for generating a request to debit the stored-value account; and code for transmitting the request to debit the stored-value account to a financial settlement system, via the credit card transaction processing network, wherein the financial settlement system is separate from the healthcare eligibility system; and an input device configured to receive the healthcare insurance information and the stored-value account information from the healthcare presentation instrument. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A point-of-care terminal for processing a healthcare transaction by a healthcare provider, the point-of-care terminal comprising:
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a reader configured to read information from an information encoding region of a healthcare eligibility and settlement presentation instrument associated with a patient; a computer-readable storage device; a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction comprises a healthcare eligibility verification transaction and a healthcare settlement transaction, wherein the healthcare transaction involves debiting a stored value account associated with funds designated for healthcare expenses and the processor is configured to execute computer-readable code stored on the computer-readable storage device, the code including; code for retrieving patient data from a track of a magnetic stripe of a healthcare presentation instrument, the healthcare presentation instrument associated with a patient; code for generating a request for a healthcare information packet based on the patient data from the healthcare presentation instrument; code for transmitting the request for the healthcare information packet to a healthcare eligibility verification system via a credit card transaction processing network; code for receiving the healthcare information packet from the healthcare eligibility verification system via the credit card transaction processing network; code for presenting at least part of the content of the healthcare information packet to the healthcare provider; code for retrieving stored-value account information from a different track of the magnetic stripe of the healthcare presentation instrument, wherein the stored value account information identifies a stored value account associated with funds designated for healthcare expenses; code for generating a request to debit the stored-value account; and code for transmitting the request to debit the stored-value account to a financial settlement system via the credit card transaction processing network, wherein the financial settlement system is separate from the healthcare eligibility system. - View Dependent Claims (11, 12, 13, 14)
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15. A computer program product comprising a non-transitory computer-readable storage device encoded with program code for controlling operation of a computing device for processing a healthcare transaction by a healthcare provider, the program code comprising:
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code for retrieving patient data from a first track of a magnetic stripe of a healthcare presentation instrument, the healthcare presentation instrument associated with a patient; code for generating a request for a healthcare information packet based on the patient data from the healthcare presentation instrument; code for transmitting the request for a healthcare information packet to a healthcare eligibility verification system via a credit card transaction processing network; code for receiving a healthcare information packet from the healthcare eligibility verification system via the credit card transaction processing network; code for presenting at least part of the content of the healthcare information packet to the healthcare provider; code for retrieving stored-value account information from a second track of the magnetic stripe of the healthcare presentation instrument; code for transmitting a debit request to debit a stored value account associated with funds designated for healthcare expenses to a financial settlement system via the credit card transaction processing network, wherein the financial settlement system is separate from the healthcare eligibility system; and code for receiving a confirmation associated with the debit request from the financial settlement system via the credit card transaction processing network. - View Dependent Claims (16, 17)
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Specification