A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
44 - Services médicaux, services vétérinaires, soins d'hygiène et de beauté; services d'agriculture, d'horticulture et de sylviculture.
Produits et services
downloadable software applications in the nature of mobile software applications for the management and administration of employee health benefit accounts and healthcare savings accounts; downloadable software applications in the nature of mobile software application tools for assisting consumers in selecting healthcare account options; Downloadable computer software for handling administration of COBRA (Consolidated Omnibus Budget Reconciliation Act) employee benefits plans.; Downloadable software applications in the nature of a mobile software application for viewing health benefit account information administration of employee benefit plans, namely lifestyle spending accounts.; payment processing services for the health care industry, namely, debit card transaction processing services and electronic payment processing services of payments made through pre-paid cards; Administration of employee benefit plans, namely, administration of COBRA (Consolidated Omnibus Budget Reconciliation Act) plans; Administration of health savings accounts; administration of health benefits accounts, namely, administration of pre-paid health care plans, administration of health reimbursement arrangements, and cost management for the health benefit plans of others; administration of employer sponsored healthcare savings accounts Providing temporary use of on-line non-downloadable software for COBRA (Consolidated Omnibus Budget Reconciliation Act) plan health coverage enrollment and administration.; Providing temporary use of on-line non-downloadable software for the retrieval of healthcare benefits information, providing educational information regarding healthcare and healthcare account options, and tools for assisting consumers with selection of healthcare account options; providing temporary use of on-line non-downloadable software for the management and administration of employee health benefit accounts and healthcare savings accounts; providing temporary use of on-line non-downloadable software for the management and administration of benefit accounts Healthcare benefits account record keeping; HSA services.
3.
Systems and methods for allocating resources via information technology infrastructure
A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
On-line retail store services featuring a wide variety of consumer goods of others; information services, namely, providing online information in the field of tax advantaged financial accounts
On-line retail store services featuring a wide variety of consumer goods of others; information services, namely, providing online information in the field of tax advantaged financial accounts
6.
SYSTEMS AND METHODS FOR ALLOCATING RESOURCES VIA INFORMATION TECHNOLOGY INFRASTRUCTURE
A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account.
G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
8.
SYSTEMS AND METHODS OF GENERATING DYNAMIC ASSOCIATIONS BASED ON USER OBJECT ATTRIBUTES
Example implementations include a system to generate a user object, with a data processing system comprising memory and one or more processors to identify a role attribute of a user object, a geography attribute of the user object, and a temporal attribute of the user object, determine, based on the role attribute, the geography attribute, and the temporal attribute, a benefits group corresponding to the user object, generate a dynamic association of the user object to the benefits group, the dynamic association from the role attribute, the geography attribute, and the temporal attribute, and modifiable in response to a modification of one or more of the role attribute, the geography attribute, and the temporal attribute, and generate a dynamic tree structure from the dynamic association, the tree structure modifiable in response to the modification of one or more of the role attribute, the geography attribute, and the temporal attribute.
Generating real-time trigger-based digital feed is provided. A system receives events indicating modifications for candidate electronic transactions. The system selects a participant object including a support service identifier. The system filters the events based on a metric. The system ranks the opportunity objects based on a second metric. The system receives a selection of a ranked opportunity object, and generate a link.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
11.
Systems and methods for managing information technology infrastructure to generate a dynamic interface
A system includes a device configured with a tool that interfaces with administrator devices remote from the device. The system receives an identifier of an administrator of an administrator device. The system retrieves an administrator profile corresponding to the identifier. The system identifies one or more administrator profiles stored in the administrator profile data structure of one or more different administrators. The system determines a similarity metric between the administrator profile and each of the identified administrator profiles. The system identifies the administrator profiles having the similarity metric satisfying a predetermined threshold. The system instantiates a dynamic report interface to render an electronic report indicating a first value of a first performance metric of the administrator based on the administrator profile and a second value of the first performance metric based on the identified administrator profiles. The system provides the electronic report for display via the administrator device.
Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Provided is a system to allocate resources using an information technology infrastructure. The system receives financial and health data of a participant. The system identifies a healthcare expense prediction model to predict the future healthcare expenses of the participant. The system determines from the prediction model using the multi-dimensional feature vector of the participant, the predicted lifetime healthcare expenses of the participant. The system identifies lifetime non-healthcare expenses of the participant. The system identifies a healthcare tax benefit account to provide funds towards the predicted lifetime healthcare expenses and a non-healthcare tax benefit account to provide funds towards lifetime non-healthcare expenses. The system determines a first amount of funds to allocate to the healthcare tax benefit account and a second amount of funds to allocate to the non-healthcare tax benefit account. The system provides the first and second amount of funds to an interactive user interface.
The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account.
G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
Example implementations include determining, based on participant objects input into a machine learning model, to transmit a query to a third-party application based on a machine learning model trained with historical data associated with opportunities provided by third-party applications, transmitting to a third-party application, the query constructed based on a template compatible with an application programming interface (“API”) of the third-party application, receiving a response from the third-party application including an event and a profile for a participant of a service provided by the third-party application, the profile linked with a participant object and generated in response to importing information associated with the profile from a third-party administrator device, the event indicative of an opportunity to reduce resource utilization, determining that the participant object satisfies a parameter of the event, and providing to a computing device of the participant object responsive to satisfaction of the parameter, an indication of the event.
G06F 16/90 - Détails des fonctions des bases de données indépendantes des types de données cherchés
G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
G16H 80/00 - TIC spécialement adaptées pour faciliter la communication entre les professionnels de la santé ou les patients, p. ex. pour le diagnostic collaboratif, la thérapie collaborative ou la surveillance collaborative de l’état de santé
Example implementations include a system to present opportunities from third-party applications, with a data processing system comprising memory and one or more processors to identify, via an interface of the data processing system, a third-party application of a plurality of third-party applications configured with application programming interfaces (“APIs”) compatible with the interface of the data processing system, transmit, to the third-party application, a query constructed based on a template that is compatible with an API of the third-party application, receive, responsive to the query, a response from the third-party application comprising an opportunity event, select a participant object that satisfies one or more parameters associated with the opportunity event, and provide, to a computing device linked with the participant object, an indication of the opportunity event.
G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
G16H 80/00 - TIC spécialement adaptées pour faciliter la communication entre les professionnels de la santé ou les patients, p. ex. pour le diagnostic collaboratif, la thérapie collaborative ou la surveillance collaborative de l’état de santé
At least one aspect of this technical solution is directed to a system for generating a multi-factorial real-time predictive model for healthcare events, with a data processing system comprising memory and one or more processors to obtain a condition metric and a condition period associated with a participant object, generate, based on a model trained using historical condition-service data, a first participation metric for the participant object based on a participant service associated with the condition metric and the participant object, aggregate the first participation metric and the condition period into a first aggregated participation metric, receive, via a computing device associated with the participant object, a selection of an opportunity object associated with the condition metric, the opportunity object corresponding to an opportunity event provided via a third-party application that interfaces with the data processing system, generate, based on the model and the selection of the opportunity object, a second participation metric associated with the condition metric and the opportunity object, aggregate the second participation metric and the condition period into a second aggregated participation metric for the participant object, determine, based on the second participation metric being less than the first participation metric, a reduction in resource utilization, and provide, responsive to the determination of the reduction in resource utilization, an alert to the computing device indicating the reduction in resource utilization corresponding to the selection of the opportunity object.
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p. ex. basé sur des systèmes experts médicaux
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
18.
Generation of real-time trigger-based digital feed
At least one aspect of this technical solution is directed to a system for invoking account opportunities for support accounts, the system including a data processing system comprising memory and one or more processors to receive, from one or more external data sources, a plurality of opportunity events indicating modifications for candidate electronic transactions, select, in response to receipt of the plurality of opportunity events, a participant object including a support service identifier associated with a support service, and a participant service identifier associated with a participant service, filter the plurality of opportunity events based at least on a first opportunity metric associated with the participant object to construct a plurality of opportunity objects, rank the plurality of opportunity objects based at least on a determination that the opportunity object satisfies a second opportunity metric associated with the participant object, transmit, to a computing device linked with the participant object, the ranked plurality of opportunity objects, receive, from the computing device, a selection of one or more of the ranked plurality of opportunity objects, generate, responsive to the selection of the one or more of the ranked opportunity objects, a link between the participant object and the support service, and authorize the participant object to the support service based on the link.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
A healthcare financial payment system and 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.
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G16H 10/65 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients stockées sur des supports d’enregistrement portables, p. ex. des cartes à puce, des étiquettes d’identification radio-fréquence [RFID] ou des CD
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
20.
Manage remote procedure calls in centralized processing
The present solution is generally directed to managing remote procedure calls in centralized processing. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
The present solution is generally directed to dynamic state-driven centralized processing that manages remote procedure calls. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition, and provide dynamic-state-driven processing.
A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
24.
Systems and methods for managing information technology infrastructure to generate a dynamic interface
A system includes a device configured with a tool that interfaces with administrator devices remote from the device. The system receives an identifier of an administrator of an administrator device. The system retrieves an administrator profile corresponding to the identifier. The system identifies one or more administrator profiles stored in the administrator profile data structure of one or more different administrators. The system determines a similarity metric between the administrator profile and each of the identified administrator profiles. The system identifies the administrator profiles having the similarity metric satisfying a predetermined threshold. The system instantiates a dynamic report interface to render an electronic report indicating a first value of a first performance metric of the administrator based on the administrator profile and a second value of the first performance metric based on the identified administrator profiles. The system provides the electronic report for display via the administrator device.
A healthcare financial payment system and 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.
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G16H 10/65 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients stockées sur des supports d’enregistrement portables, p. ex. des cartes à puce, des étiquettes d’identification radio-fréquence [RFID] ou des CD
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
26.
Manage remote procedure calls in centralized processing
The present solution is generally directed to managing remote procedure calls in centralized processing. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
The present solution is generally directed to dynamic state-driven centralized processing that manages remote procedure calls. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition, and provide dynamic-state-driven processing.
Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
A system includes a device configured with a tool that interfaces with administrator devices remote from the device. The system receives an identifier of an administrator of an administrator device. The system retrieves an administrator profile corresponding to the identifier. The system identifies one or more administrator profiles stored in the administrator profile data structure of one or more different administrators. The system determines a similarity metric between the administrator profile and each of the identified administrator profiles. The system identifies the administrator profiles having the similarity metric satisfying a predetermined threshold. The system instantiates a dynamic report interface to render an electronic report indicating a first value of a first performance metric of the administrator based on the administrator profile and a second value of the first performance metric based on the identified administrator profiles. The system provides the electronic report for display via the administrator device.
Provided is a system to allocate resources using an information technology infrastructure. The system receives financial and health data of a participant. The system identifies a healthcare expense prediction model to predict the future healthcare expenses of the participant. The system determines from the prediction model using the multi-dimensional feature vector of the participant, the predicted lifetime healthcare expenses of the participant. The system identifies lifetime non-healthcare expenses of the participant. The system identifies a healthcare tax benefit account to provide funds towards the predicted lifetime healthcare expenses and a non-healthcare tax benefit account to provide funds towards lifetime non-healthcare expenses. The system determines a first amount of funds to allocate to the healthcare tax benefit account and a second amount of funds to allocate to the non-healthcare tax benefit account. The system provides the first and second amount of funds to an interactive user interface.
A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
33.
Systems and methods for reducing resource consumption via information technology infrastructure
The present disclosure is directed to reducing resource consumption via information technology infrastructure. A server of the present disclosure receives one or more data packets including data indicating a healthcare transaction event. The server selects healthcare trend model trained by the server using previously received data packets. The server determines a correlation coefficient between each of a plurality of healthcare related recommendations and the selected healthcare trend model. The server retrieves a notification template from a notification data structure that maps to the highest ranking healthcare related recommendation. The server generates a request to deliver the notification corresponding to the highest ranking healthcare related recommendation at a destination address of a computing device of a participant.
G16H 50/30 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le calcul des indices de santéTIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour l’évaluation des risques pour la santé d’une personne
G16H 10/20 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des essais ou des questionnaires cliniques électroniques
The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account.
G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
35.
Systems and methods for geographical ticker of health related savings account transactions
Systems and method of the present disclosure are directed to providing a geographical ticker of financial transactions. A mapping engine on a server receives a first set of transaction data within a first predetermined time window from a database that includes a monetary amount of a transaction and an entity at which each transaction. The mapping engine obtains a location of the entity for each transaction and displays, on a digital map and in a first time sequence corresponding to the first predetermined time window, an icon at each location for each transaction. The mapping engine displays, on the digital map and in one or more time sequences corresponding to one or more predetermined time windows subsequent to the first predetermined time window, an icon at each location for each transaction within one or more sets of transaction data corresponding to the one or more predetermined time windows.
G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06F 9/46 - Dispositions pour la multiprogrammation
36.
Healthcare debit card linked to healthcare-related and non-healthcare-related financial accounts
A healthcare financial payment system and 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.
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 50/22 - Aide sociale ou assistance sociale, p. ex. activités de développement communautaire ou services de consultation
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Downloadable software applications in the nature of a mobile software application for viewing health benefit account information; downloadable software applications in the nature of mobile software application tools for assisting consumers in selecting healthcare account options; Downloadable software applications in the nature of mobile software applications for the management and administration of employee health benefit accounts and healthcare savings accounts Providing temporary use of on-line non-downloadable software for the retrieval of healthcare benefits information, proving educational information regarding healthcare and healthcare account options, and tools for assisting consumers with selection of healthcare account options; providing temporary use of on-line non-downloadable software for the management and administration of employee health benefit accounts and healthcare savings accounts
Methods and systems provide substantiation proof of claims made against medical spending accounts. Medical-insurance adjudication explanations are received at a benefits-records system, specifying a medical-insurance claim submitted to a medical insurer and identifying an adjudication decision of the medical insurance claim. The medical-insurance adjudication explanations are stored in a common format. A request is received from an insured party to apply a payment amount to a medical spending account. The payment amount corresponds to an expense associated with a medical-insurance claim submitted to one of the medical insurers but not paid. The request is posted to a third-party administrator with information from the corresponding medical-insurance adjudication explanations.
G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)
G06Q 10/08 - Logistique, p. ex. entreposage, chargement ou distributionGestion d’inventaires ou de stocks
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
36 - Services financiers, assurances et affaires immobilières
Produits et services
Administration of health savings accounts and administration of health benefits accounts, namely, administration of pre-paid health care plans, administration of health reimbursement arrangements, and cost management for the health benefit plans of others; and payment processing services for the health care industry, namely, debit card transaction processing services and electronic payment processing services of payments made through pre-paid cards
The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
43.
Medical savings accounts with investment and loan-account access
Methods and systems are disclosed for managing a medical savings account that invests funds in investment accounts. A request is received for payment of a healthcare expense incurred by a party authorized for recovery under the medical savings account. A balance is drawn against a line of credit secured by one or more of the investment accounts. At least a portion of the healthcare expense is paid with funds obtained from the drawn balance. At least a portion of some of the investment accounts are liquidated in accordance with instructions provided by the party or by an owner of the medical savings account to satisfy the drawn balance of the line of credit.
FIS HEALTHCARE HOLDINGS, LLC (TO BE KNOWN AS ALEGEUS TECHNOLOGIES, LLC) (USA)
ALEGEUS TECHNOLOGIES, LLC (USA)
Inventeur(s)
Erdmann, Jeffrey Jay
Brown, Steven T.
Gruchalski, Joanne E.
Butkowski, Rosanne Marie
Norman, Douglas Luther
Widenski, Jr., Henry Anthony
Lindsey, Jimmie
Leininger, Greg
Neuville, Mark Andrew
Perry, Daniel L.
Abrégé
Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
45.
Account control method and system that allows only eligible and authorized items to be purchased using the account
FIS HEALTHCARE HOLDINGS, LLC (TO BE KNOWN AS ALEGEUS TECHNOLOGIES, LLC) (USA)
ALEGEUS TECHNOLOGIES, LLC (USA)
Inventeur(s)
Reed, Cullen L.
Stephenson, Richard L.
Brown, Steven T.
Gruchalski, Joanne E.
Widenski, Jr., Henry A.
Erdmann, Jeffrey Jay
Abrégé
The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least on item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
