Healthcare debit card linked to healthcare-related and non-healthcare-related financial accounts

A financial account, health card technology, applied in the direction of health care resources or facilities, payment architecture, data processing applications, etc., can solve problems such as no real-time operation of approval and payment systems, uncertainty of the final cost of employees or cardholders, etc. , to achieve the effect of enhancing market attractiveness, low cost and high cost performance

Inactive Publication Date: 2009-04-22
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Additionally, there is uncertainty about the ultimate cost to employees or cardholders in many health care systems because approval and payment systems do not operate in real time

Method used

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  • Healthcare debit card linked to healthcare-related and non-healthcare-related financial accounts
  • Healthcare debit card linked to healthcare-related and non-healthcare-related financial accounts
  • Healthcare debit card linked to healthcare-related and non-healthcare-related financial accounts

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0036] A preferred embodiment of the invention utilizes figure 1 and figure 2 The healthcare debit card shown in 20. including such as figure 1 front as shown in and as figure 2 The healthcare debit card 20 shown on the back is preferably made of plastic material as is conventional. first refer to as figure 1 On the front side of the healthcare debit card 20 shown in FIG. The cardholder name 24 is located near the bottom of the healthcare debit card 20 .

[0037] The healthcare debit card number 26 is prominently located on the healthcare debit card 20 and the four-digit verification number 28 is on the left side of the healthcare debit card 20 below the healthcare debit card number 26 . The healthcare debit card expiration date 30 is located above the cardholder name 24 and the healthcare debit card number 26 below. The financial network symbol 32 is located directly to the right of the healthcare debit card expiration date 30, as described below in conjunction with ...

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PUM

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Abstract

A healthcare financial payment system and a method are disclosed in which a debit card which may be used by a cardholder to pay for medical products and services is linked with a healthcare-related financial account associated with the cardholder as well as with a non-healthcare-related financial account belonging to the cardholder. The healthcare-related financial account associated with the cardholder may be a Flexible Spending Arrangement (FSA), a Health Savings Account (HSA) , or a health reimbursement arrangement (HRA) , and the non-healthcare-related financial account associated with the cardholder may be a bank checking or savings account or a credit card. Any expenses for medical goods and services which are not covered by the cardholder's medical insurance may be paid from the cardholder's healthcare-related financial account if the medical goods or services are eligible and if there are funds remaining in the healthcare-related financial account, with any remaining costs being paid for from or charged to the cardholder's non-healthcare-related financial account.

Description

technical field [0001] The present invention relates generally to healthcare financial payment systems and methods, and more particularly to novel systems and methods in which a healthcare debit card used by a cardholder to pay for medical products and services is associated with the cardholder The health-related financial account of the cardholder and the non-health-related financial account belonging to the cardholder. Background technique [0002] With the widespread use of health insurance, it has become necessary to establish that a particular individual has health insurance coverage, and to arrange payment for medical products and services provided to the individual. In physicians' offices, hospitals, and pharmacies, the policy has been established that consumers must pay for, or arrange to pay for, medical products or services at the time they are delivered, unless evidence of insurance coverage is provided at the time of delivery or purchase of the medical products o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G16H10/65
CPCG06Q40/08G06Q40/02G06Q10/10G16H10/65G16H40/20G06Q20/10G06Q20/34
Inventor 约翰·P·迪比亚西道格拉斯·L·诺曼吉米耶·L·林赛
Owner METAVANTE
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