Patents by Inventor Beverly Kennedy
Beverly Kennedy has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20210224767Abstract: Systems and methods for facilitating payments are disclosed. In one embodiment, a method for facilitating a transaction may include (1) a customer selects a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; and (3) the financial institution associating a unique identifier for the customer's merchant account with the customer's financial institution account. In another embodiment, a method for facilitating a transaction may include (1) a customer selecting a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; (3) the financial institution provisioning a merchant-specific identifier for the merchant; and (4) the financial institution providing the merchant-specific token to the merchant.Type: ApplicationFiled: April 6, 2021Publication date: July 22, 2021Inventors: Stan DeVan, Daniel Scott Poswolsky, Janice Mathews, Beverly Kennedy
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Patent number: 10990941Abstract: Systems and methods for facilitating payments are disclosed. In one embodiment, a method for facilitating a transaction may include (1) a customer selects a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; and (3) the financial institution associating a unique identifier for the customer's merchant account with the customer's financial institution account. In another embodiment, a method for facilitating a transaction may include (1) a customer selecting a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; (3) the financial institution provisioning a merchant-specific identifier for the merchant; and (4) the financial institution providing the merchant-specific token to the merchant.Type: GrantFiled: April 29, 2015Date of Patent: April 27, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Stan DeVan, Daniel Scott Poswolsky, Janice Mathews, Beverly Kennedy
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Patent number: 10311207Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an estimated explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: GrantFiled: June 20, 2014Date of Patent: June 4, 2019Assignee: First Data CorporationInventors: Beverly Kennedy, Robyn Bartlett
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Patent number: 9898581Abstract: Devices, systems, and methods for processing healthcare and financial transactions are provided. A point-of-care terminal for processing a healthcare transaction by a healthcare provider includes a reader configured to read information from a healthcare eligibility and settlement presentation instrument associated with a patient, and a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction includes at least one of a healthcare eligibility verification transaction and a healthcare settlement transaction.Type: GrantFiled: April 21, 2014Date of Patent: February 20, 2018Assignee: First Data CorporationInventors: Renee Elahi Lutzen, George Nauman, David G. Weis, Beverly Kennedy, Robyn Bartlett
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Publication number: 20140372143Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an estimated explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: ApplicationFiled: June 20, 2014Publication date: December 18, 2014Applicant: First Data CorporationInventors: Beverly Kennedy, Robyn Bartlett
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Publication number: 20140316798Abstract: Devices, systems, and methods for processing healthcare and financial transactions are provided. A point-of-care terminal for processing a healthcare transaction by a healthcare provider includes a reader configured to read information from a healthcare eligibility and settlement presentation instrument associated with a patient, and a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction includes at least one of a healthcare eligibility verification transaction and a healthcare settlement transaction.Type: ApplicationFiled: April 21, 2014Publication date: October 23, 2014Applicant: FIRST DATA CORPORATIONInventors: RENEE ELAHI LUTZEN, GEORGE NAUMAN, DAVID G. WEIS, BEVERLY KENNEDY, ROBYN BARTLETT
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Publication number: 20140304010Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an electronic explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: ApplicationFiled: April 11, 2014Publication date: October 9, 2014Applicant: FIRST DATA CORPORATIONInventors: Beverly Kennedy, Robyn Bartlett
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Patent number: 8788293Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an estimated explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: GrantFiled: June 30, 2006Date of Patent: July 22, 2014Assignee: First Data CorporationInventors: Beverly Kennedy, Robyn Bartlett
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Patent number: 8751250Abstract: Devices, systems, and methods for processing healthcare and financial transactions are provided. A point-of-care terminal for processing a healthcare transaction by a healthcare provider includes a reader configured to read information from a healthcare eligibility and settlement presentation instrument associated with a patient, and a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction includes at least one of a healthcare eligibility verification transaction and a healthcare settlement transaction.Type: GrantFiled: June 14, 2005Date of Patent: June 10, 2014Assignee: First Data CorporationInventors: Renee Elahi Lutzen, George Nauman, David G. Weis, Beverly Kennedy, Robyn Bartlett
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Publication number: 20070214005Abstract: A system and method for enabling a benefactor to help pay the costs of medical items of a consumer, such as a family member or friend. The benefactor funds a stored value account. A medical card that identifies the account is issued to the consumer. The card is presented to a medical provider or retailer where items are being purchased. A POS terminal is used to enter information concerning the consumer and the purchased item. Coverage under medical plans is determined, and any amount not covered by the medical plans many be paid for using the card.Type: ApplicationFiled: March 3, 2006Publication date: September 13, 2007Applicant: First Data CorporationInventor: Beverly Kennedy
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Publication number: 20070005403Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an estimated explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: ApplicationFiled: June 30, 2006Publication date: January 4, 2007Applicant: First Data CorporationInventors: Beverly Kennedy, Robyn Bartlett
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Publication number: 20070005402Abstract: A system and method for permitting real-time payment of healthcare charges from multiple sources of payment. A POS terminal is used to enter a patient ID and treatment code. A health insurance network receives the patient ID and treatment code and returns an electronic explanation of benefits (EOB) data packet that is used to display an EOB statement at the POS terminal, the display including information on a patient portion not covered by the health insurance plan. The EOB data packet is used to electronically process payment for the patient portion from a second payment source, such as an medical savings account (MSA), credit card account or banking account.Type: ApplicationFiled: June 30, 2006Publication date: January 4, 2007Applicant: First Data CorporationInventors: Beverly Kennedy, Robyn Bartlett
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Publication number: 20050015280Abstract: A method of verifying health insurance coverage eligibility for a patient includes receiving at a host computer system a message from a provider. The message includes a request for an eligibility and coverage information packet. The message identifies at least the patient and the provider. The method also includes using at least a portion of the information in the request to locate a payer associated with the patient and sending a message to a computing system of the payer. The message comprises a request to return to the host computer system the eligibility and coverage information packet. The method also includes receiving the eligibility and coverage information packet from the computing system of the payer and sending the packet to the provider.Type: ApplicationFiled: May 13, 2004Publication date: January 20, 2005Applicant: First Data CorporationInventors: Judi Gabel, Robyn Bartlett, Beverly Kennedy, Bradley Winking, George Nauman, Judy Turek
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Patent number: 5649116Abstract: A computer-based system for managing risk among a plurality of accounts, each account having an associated account exposure, has a means for submitting a transaction to a selected account of a plurality of related accounts and a monitoring means, responsive to the submitting means, for determining a combined exposure of the plurality of related accounts associated with the selected account that would result from the submission of a transaction. A means, responsive to the monitoring means, is provided for authorizing the transaction when the combined exposure determined by the monitoring means is less than a first predetermined limit and for denying a submitted transaction when the combined exposure would exceed the first predetermined limit if the transaction were to be authorized. A means is provided for alerting a first officer when the combined exposure determined by the monitoring means would exceed a second predetermined limit if the transaction were to be authorized.Type: GrantFiled: March 30, 1995Date of Patent: July 15, 1997Assignee: Servantis Systems, Inc.Inventors: Randal A. McCoy, Beverly Kennedy