Medical benefits payment system

  • US RE43,904 E1
  • Filed: 01/26/2012
  • Issued: 01/01/2013
  • Est. Priority Date: 12/05/2006
  • Status: Active Grant
First Claim
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1. A method of facilitating payment of adjudicated health care benefits to a health care provider on behalf of a payer comprising the steps of:

  • loading a unique, single-use, stored-value card account with an amount equal to a single, authorized benefit payment, the card account only chargeable through a medical services terminal;

    generating an explanation of benefits associated with the payment;

    creating a computer-generated image file containing the stored-value card account number, the amount, a card verification value code, an expiration date, and the explanation of benefits;

    transmitting the image file by fax to the health care provider; and

    reconciling the charged card account to confirm that the health care provider has received payment.

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