Source: http://www.google.com/patents/US7922083?dq=6,921,985
Timestamp: 2017-07-27 07:40:16
Document Index: 283080471

Matched Legal Cases: ['§120', 'application No. 10', 'Application No. 60', 'Application No. 60', '§120', 'application No. 11', 'Application No. 60']

Patent US7922083 - Payment programs for healthcare plans - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inPatentsThe invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment...http://www.google.com/patents/US7922083?utm_source=gb-gplus-sharePatent US7922083 - Payment programs for healthcare plansAdvanced Patent SearchTry the new Google Patents, with machine-classified Google Scholar results, and Japanese and South Korean patents.Publication numberUS7922083 B2Publication typeGrantApplication numberUS 11/461,389Publication dateApr 12, 2011Filing dateJul 31, 2006Priority dateNov 19, 2003Fee statusPaidAlso published asUS20070194109, US20100116882Publication number11461389, 461389, US 7922083 B2, US 7922083B2, US-B2-7922083, US7922083 B2, US7922083B2InventorsSarah E. Harrison, Jason S. Jagatic, Dana J. Klaboe, Leigh R. MalnatiOriginal AssigneeHarrison Sarah E, Jagatic Jason S, Klaboe Dana J, Malnati Leigh RExport CitationBiBTeX, EndNote, RefManPatent Citations (181), Non-Patent Citations (96), Referenced by (23), Classifications (10), Legal Events (5) External Links: USPTO, USPTO Assignment, EspacenetPayment programs for healthcare plans
This application claims benefit under 35 U.S.C. §120 as a continuation-in-part to U.S. patent application Ser. No. 10/904,639, filed Nov. 19, 2004, now U.S. Pat. No. 7,213,750, issued May 8, 2007. U.S. patent application No. 10/904,639 claims the benefit of U.S. Provisional Patent Application No. 60/523,812, filed Nov. 19, 2003, and U.S. Provisional Patent Application No. 60/541,548, filed Feb. 3, 2004. This application also claims benefit under 35 U.S.C. §120 as a continuation-in-part of U.S. patent application Ser. No. 11/275,401, filed Dec. 29, 2005. U.S. patent application No. 11/275,401 claims the benefit of U.S. Provisional Patent Application No. 60/697,514, filed Jul. 8, 2005. The subject matter of the above-referenced applications 10/904,639, 11/275,401 and 60/697,514 is incorporated herein by reference as if fully set forth herein.
The present invention meets the above-identified needs by providing a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account, comprising the steps of receiving, from a requester a request for payment for an item; determining whether the item qualifies for pre-tax treatment; and if the item qualifies for pre-tax treatment: determining at least partial payment amount for the item; causing the tax-advantaged account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization, and transmitting the at least partial payment amount for the item to an account of the requestor.
“Open cards” are financial transaction cards that are generally accepted at different merchants. Examples of open cards include the American Express®, Visa°, MasterCard® and Discover® cards, which may be used at many different retailers and other businesses. In contrast, “closed cards” are financial transaction cards that may be restricted to use with a particular merchant, a particular chain of merchants or a collection of affiliated merchants. One example of a closed card is a card that may only be accepted at a clothing retailer, such as a Saks Fifth Avenue® store.
FIG. 9 schematically illustrates an example of the steps performed by provider 502, insurer 506, and financial institution 702 (referred to as “AXP” in FIG. 9) in connection with a payment process. In this example, provider 502 has performed a service or procedure for the employee, and the cost of the procedure is $100. Because provider 502 is a member of a network of providers associated with the insurer, there is a 20% discount on the cost of the procedure. The employee is covered by insurer 506 for 50% of the cost of the procedure, and the employee has $30 in her HSA 508 a. As shown in FIG. 9, in one exemplary embodiment, provider 502 charges the employee $100 for the procedure at step 902, which the employee pays using her health card 602. Provider 502 swipes health card 602 at step 904 using a point-of-sale (“POS”) device, such as those commonly used by merchants for registering payments made with credit/debit cards, and the provider enters the charge of $100 on the POS device. A code on the health card is automatically read, either electrically, magnetically, optically, or a combination thereof. Optionally, as is well known in the art, if the code cannot be automatically read by the POS device, a numeric code on health card 602 can be manually entered on the POS device by provider 502. The charge of $100 undergoes authorization processing and financial institution 702 holds payment for a period of time (e.g., five to fourteen days) at step 906. Provider 502 also submits a claim for $100 to insurer 506 at step 908.
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