Patent ID: 8788281
Filing Date: 2014-07-22
Classification: G06Q,G16H

Abstract:
1. A computer implemented method for processing consumer healthcare account related reimbursement eligible transactions, the computer implemented method comprising: issuing a user a credit card payment device associated with a credit account and a consumer healthcare account, the credit card payment device effecting payment from a first payment source for purchases eligible for reimbursement by the consumer healthcare account pursuant to one or more transaction rules governing the eligibility for reimbursement of purchases made by consumer healthcare accounts, and effecting payment from a second payment source for purchases not eligible for reimbursement by the consumer healthcare account, wherein said transaction rules determine the reimbursement eligibility of the purchases; identifying a user transaction made with the payment device at a merchant for one or more purchases; receiving merchant data regarding the user transaction including an authorization request; determining, using a computer processor, whether the user transaction is authorized and transmitting a response to the authorization request; and debiting the user from the second payment source if the transaction is unauthorized, and performing reimbursement steps if the transaction is authorized, and if at least a portion of the transaction is eligible for reimbursement, the reimbursement steps including;