WO2004049128A3 - Methods and card for accelerated provision of funds and fraud reduction for healthcare - Google Patents

Methods and card for accelerated provision of funds and fraud reduction for healthcare Download PDF

Info

Publication number
WO2004049128A3
WO2004049128A3 PCT/US2003/037675 US0337675W WO2004049128A3 WO 2004049128 A3 WO2004049128 A3 WO 2004049128A3 US 0337675 W US0337675 W US 0337675W WO 2004049128 A3 WO2004049128 A3 WO 2004049128A3
Authority
WO
WIPO (PCT)
Prior art keywords
funds
methods
insurer
card
healthcare
Prior art date
Application number
PCT/US2003/037675
Other languages
French (fr)
Other versions
WO2004049128A2 (en
Inventor
Richard Glee Wood
Wesley Jack White Jr
Original Assignee
Richard Glee Wood
Wesley Jack White Jr
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US10/303,217 external-priority patent/US20040103061A1/en
Priority claimed from US10/303,631 external-priority patent/US6820058B2/en
Priority claimed from US10/428,609 external-priority patent/US6826535B2/en
Application filed by Richard Glee Wood, Wesley Jack White Jr filed Critical Richard Glee Wood
Priority to AU2003300796A priority Critical patent/AU2003300796A1/en
Priority to EP03812042A priority patent/EP1565863A4/en
Publication of WO2004049128A2 publication Critical patent/WO2004049128A2/en
Publication of WO2004049128A3 publication Critical patent/WO2004049128A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H10/00—ICT specially adapted for the handling or processing of patient-related medical or healthcare data
    • G16H10/60—ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
    • G16H10/65—ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records stored on portable record carriers, e.g. on smartcards, RFID tags or CD

Abstract

Methods for accelerating the provision of funds to a service provider for medical insurance using a smart card are described herein. One method includes obtaining medical insurance from an insurer (100), using the smart card to determine if the user is preauthorized for the advancement of funds (120) and to determine if the servie provider is preauthorized to provide service (130), then transmitting acknowledgement of services from the insurer to the service provider (140), transmitting an amount from th einsurer to the service provider (160), transmitting acknowledgement of the amount from service provider to the insurer (170), and transferring payment quickly from the insurer to the sevice provider (180).
PCT/US2003/037675 2002-11-25 2003-11-24 Methods and card for accelerated provision of funds and fraud reduction for healthcare WO2004049128A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2003300796A AU2003300796A1 (en) 2002-11-25 2003-11-24 Methods and card for accelerated provision of funds and fraud reduction for healthcare
EP03812042A EP1565863A4 (en) 2002-11-25 2003-11-24 Methods and card for accelerated provision of funds and fraud reduction for healthcare

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US10/303,217 US20040103061A1 (en) 2002-11-25 2002-11-25 Smart card for accelerated payment of medical insurance
US10/303,631 US6820058B2 (en) 2002-11-25 2002-11-25 Method for accelerated provision of funds for medical insurance using a smart card
US10/303,631 2002-11-25
US10/303,217 2002-11-25
US46122503P 2003-04-08 2003-04-08
US60/461,225 2003-04-08
US10/428,609 US6826535B2 (en) 2003-04-08 2003-05-02 Method for reducing fraud in healthcare programs using a smart card
US10/428,609 2003-05-02

Publications (2)

Publication Number Publication Date
WO2004049128A2 WO2004049128A2 (en) 2004-06-10
WO2004049128A3 true WO2004049128A3 (en) 2005-02-24

Family

ID=32398248

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/037675 WO2004049128A2 (en) 2002-11-25 2003-11-24 Methods and card for accelerated provision of funds and fraud reduction for healthcare

Country Status (3)

Country Link
EP (1) EP1565863A4 (en)
AU (1) AU2003300796A1 (en)
WO (1) WO2004049128A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7209886B2 (en) 2003-01-22 2007-04-24 Biometric Technologies, Inc. System and method for implementing healthcare fraud countermeasures
US10423964B2 (en) 2017-12-29 2019-09-24 Scott Kimmel User controlled event record system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5070452A (en) * 1987-06-30 1991-12-03 Ngs American, Inc. Computerized medical insurance system including means to automatically update member eligibility files at pre-established intervals
US5884271A (en) * 1994-06-20 1999-03-16 Pitroda; Satyan G. Device, system and methods of conducting paperless transactions
US6208973B1 (en) * 1998-02-27 2001-03-27 Onehealthbank.Com Point of service third party financial management vehicle for the healthcare industry

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5070452A (en) * 1987-06-30 1991-12-03 Ngs American, Inc. Computerized medical insurance system including means to automatically update member eligibility files at pre-established intervals
US5884271A (en) * 1994-06-20 1999-03-16 Pitroda; Satyan G. Device, system and methods of conducting paperless transactions
US6208973B1 (en) * 1998-02-27 2001-03-27 Onehealthbank.Com Point of service third party financial management vehicle for the healthcare industry

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1565863A4 *

Also Published As

Publication number Publication date
AU2003300796A8 (en) 2004-06-18
EP1565863A4 (en) 2008-03-05
EP1565863A2 (en) 2005-08-24
AU2003300796A1 (en) 2004-06-18
WO2004049128A2 (en) 2004-06-10

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