Abstract: A first acquirers receives, via a payment network configured to facilitate transactions between multiple issuers and multiple acquirers, an authorization response flagged with a flag. The flag indicates that clearing of a first transaction, associated with the authorization response, is to be suspended. The first transaction initially has an uncertain amount, and is associated with a first payment account, of a first user, associated with a first issuer. Subsequent determination of a final certain amount for the first transaction is awaited. Upon determination of the final certain amount, the first one of the acquirers proceeds with clearing the first transaction, based on the final certain amount. The steps are repeated for at least a second acquirer and at least a second transaction. The second transaction is associated with a second payment account, of a second user, associated with a second one of the issuers.

Abstract: A wellness program is set up for employees of an employer and participation in the program by at least a first one of the employees of the employer is tracked to determine if the at least first one of the employees has earned a reward by virtue of the participation. In response to determining that the reward has been earned, it is determined whether this is the employee's initial earned reward. If such is the case, a reward payment card is created for the employee; an amount associated with the reward payment card is initialized; and the card is provided to the employee. Subsequently-made purchases by the employee with the card are detected. In some cases, based on purchase level data associated with the subsequently-made purchases, it is determined if the employee is eligible for a supplemental award; if this is the case, supplemental award value is associated to the reward payment card.

Abstract: A wellness program is set up for employees of an employer and participation in the program by at least a first one of the employees of the employer is tracked to determine if the at least first one of the employees has earned a reward by virtue of the participation. In response to determining that the reward has been earned, it is determined whether this is the employee's initial earned reward. If such is the case, a reward payment card is created for the employee; an amount associated with the reward payment card is initialized; and the card is provided to the employee. Subsequently-made purchases by the employee with the card are detected. In some cases, based on purchase level data associated with the subsequently-made purchases, it is determined if the employee is eligible for a supplemental award; if this is the case, supplemental award value is associated to the reward payment card.

Abstract: A wellness program is set up for employees of an employer and participation in the program by at least a first one of the employees of the employer is tracked to determine if the at least first one of the employees has earned a reward by virtue of the participation. In response to determining that the reward has been earned, it is determined whether this is the employee's initial earned reward. If such is the case, a reward payment card is created for the employee; an amount associated with the reward payment card is initialized; and the card is provided to the employee. Subsequently-made purchases by the employee with the card are detected. In some cases, based on purchase level data associated with the subsequently-made purchases, it is determined if the employee is eligible for a supplemental award; if this is the case, supplemental award value is associated to the reward payment card.

Abstract: Authorization, clearing and settlement are facilitated for a pre-payment portion of a transaction conducted with a provider using a payment device having an account number. Adjudication of a claim pertaining to the transaction is facilitated, resulting in a payer portion and a remaining patient portion. Storage of transaction information pertaining to the transaction, by an issuer of the payment device, is facilitated, as is matching, by the issuer of the payment device, of: (i) a payment advice associated with the adjudication of the claim with (ii) the transaction information stored in the step of facilitating storage. In some instances, responsive to the matching, an additional step includes facilitating the issuer controlling initiation of authorization, clearing, and settlement of the remaining patient portion.

Abstract: A first acquirers receives, via a payment network configured to facilitate transactions between multiple issuers and multiple acquirers, an authorization response flagged with a flag. The flag indicates that clearing of a first transaction, associated with the authorization response, is to be suspended. The first transaction initially has an uncertain amount, and is associated with a first payment account, of a first user, associated with a first issuer. Subsequent determination of a final certain amount for the first transaction is awaited. Upon determination of the final certain amount, the first one of the acquirers proceeds with clearing the first transaction, based on the final certain amount. The steps are repeated for at least a second acquirer and at least a second transaction. The second transaction is associated with a second payment account, of a second user, associated with a second one of the issuers.

Abstract: A system, method and computer program product for allowing users to set-up a separate stored value account on their transaction instrument to fund expenses. The stored value account, referred to herein as a Universal Rollover Account (URA) system, can be funded by check, an Automated Clearing House (ACH), or by charging another card or transaction instrument. Users and/or card-members will be given access to a web portal to manage their Universal Rollover Accounts, including changing their funding method, adding or withdrawing funds, and changing their configuration such that the URA bucket can come before or after other funding accounts in a payment hierarchy.