Patent ID: 7783501

Claim:
A method attempting to substantiate at least one approved benefit card transaction, comprising the steps of: a. establishing at least one paid claims accumulator representing amounts for claims substantiated under non-electronic payment card techniques; b. establishing at least one card swipe accumulator representing amounts for approved electronic benefit card transactions; c. establishing a period of X days; d. submitting at least one approved benefit card transaction for an amount B and increasing the at least one card swipe accumulator by the amount B; e. verifying, by a computer, that each of the at least one approved transaction is not otherwise substantiated X days after submission of the approved transaction, then resolving the approved transaction by determining if amount B is less than or equal to the at least one paid claims accumulator: 1. if so, substantiating the approved transaction, reducing the at least one paid claims accumulator by the amount B, and reducing the at least one card swipe accumulator by the amount B; 2. if not, initiating a request process for member receipt for manual substantiation.