Abstract: A method for controlling fraud using a personal hybrid card and a verification process is disclosed. The method includes registering personal information of an individual in a database forming a registered account for the individual, and assigning a personal hybrid card to the individual with the registered account. The personal hybrid card includes a data storage and a copy of the personal information, including first biometric data stored in the data storage. The method continues by verifying, at an access point, that the individual with the personal hybrid card matches the first biometric data of the individual, that is stored on the personal hybrid card. Next, the individual's personal information is transmitted from the access point to the database for requesting verification of the individual to use the personal hybrid card, and receiving eligibility verification or denial of the individual for accessing services, benefits, programs, and combinations thereof.

Abstract: Methods for pre-registering a participant in a program database using a participant smart card and biometric data in a verification process to manage fraud and enhance security and privacy protection are disclosed. The methods include pre-registering, or alternatively registering, individual information including biometric data in the program database, forming a secured registered account for the participant, and assigning the participant smart card to the participant with the secured registered account. The methods continue by determining risk factors for the participant, assigning at least one program with program risk factors to the participant, authenticating identity of the participant at a program access point, receiving eligibility verification or denial of the participant to access and use assigned programs, and updating the database data for exit verification.

Abstract: Methods for controlling access to a facility and access to funds from authorizing providers are disclosed. The methods assign an environmental risk profile to the facility and risk factors to the authorizing provider, wherein both include point of entry systems. A person is pre-registered for access to the facility or funds or registered using an authentication server from public or private entities or authorizing providers. The person is issued an individual identification code on a smart card that is read and compared to the person's biometric data at the point of entry system, which contacts the authentication server to verify the person's eligibility. Personal data on the person is compiled using sets of rules to create an individual risk profile or an access level for receiving funds. Second and third transmissions communicate information for updating the individual risk profile for accessing the facility or updating the access level to funds.

Abstract: The method for reducing fraud in a healthcare program by registering a service provider with a healthcare provider and issuing a service provider identification code entails registering at least one service of the service provider with the private healthcare provider and identifying a claim code for each registered service; issuing a code based on data from a biometric reading, a keypad entry with a PIN code, or an electronic signature pad entry to an individual related to a benefits program of the healthcare provider; using the code to determine if the individual is eligible for the healthcare program and performing three transmissions of information to reduce fraud in the systems.

Abstract: Methods for registering individuals with government programs to eliminate fraud are described herein. The method includes registering a first person with a government entity having a governmental program and issuing an individual identification code (IIC) to the first person, entering the individual identification code (IIC) into an electronic retrieval system and obtaining first data on the first person at a first point in time. The first data can include first biometric data, a first personal identification code, a first electronic signature, and combinations thereof. The method further includes linking the first data to the individual identification code (IIC), and reading second data at a second point in time, wherein the second data can include second biometric data, a second personal identification code, a second electronic signature and combinations thereof, of a second person, and wherein the second point of time is later than the first point of time.

Abstract: The invention is a method for accelerating the provision of bands to an individual from a non-health government social service program via a program administrator using a smart card by issuing a smart card to an individual related to a particular non-health government social service program, using the smart card to determine if the user is preauthorized for the advancement of funds for a particular non-health government social service program and to determine if the service provider is preauthorized to provide service under the non-health government social service program, then transmitting acknowledgment of services from service provider to government, transmitting amount from government to service provider, transmitting acknowledgement of amount from service provider to government, and transferring payment quickly from government to service provider

Abstract: Methods for reducing fraud in a prescription healthcare program are described herein. The methods generally include registering a service provider with a prescription healthcare provider and issuing a service provider identification code to the service provider and registering an item of the service provider with the prescription healthcare provider to create a registered item and identifying a claim code for each registered item. The item can include at least one service, at least one good and combinations thereof. The method further includes issuing a smart card to an person related to the prescription healthcare program, wherein the smart card has a smart card identification feature to identify the person and using the smart card to determine if the person is the authorized bearer of the smart card and is eligible for benefits from the prescription healthcare program.

Abstract: A method reducing fraud in a government healthcare program is described herein. The method includes registering a service provider with a healthcare provider and issuing a service provider identification code, registering at least one service of the service provider with the government sponsored healthcare provider and identifying a claim code for each registered service, issuing a code based on data from a biometric reading, a keypad entry with a PIN code, or an electronic signature pad entry to an individual related to a benefits program of the healthcare provider; using the code to determine if the individual is eligible for the healthcare program and performing three transmissions of information to reduce fraud in the systems.

Abstract: The invention is a method for reducing fraud in a healthcare program by registering a service provider with a private healthcare provider and issuing a service provider identification codes, registering at least one service of the service provider with the private healthcare provider and identifying a claim code for each registered service; issuing a smart card to an individual related to a benefits program of the private healthcare provider wherein the individual has an identification code and the smart card has a feature to identify the individual; using the smart card to determine if the individual is the authorized card bearer and is eligible for the healthcare program; using the smart card to determine if a service provider is preauthorized to provide a registered product under the private healthcare provider program; and using the smart card to facilitate a transmission between the service provider and the private healthcare provider.

Abstract: The invention is a method for accelerating the provision of funds to a service provider for medical insurance using a smart card by a person obtaining medical insurance coverage from an insurer and obtaining a contract from the service provider, creating a smart card, using the smart card to see if the user is eligible for funds, to see if the medical service is preauthorized, and to see if service provider is preauthorized, transmitting acknowledgment of services from service provider to insurer, transmitting amount from insurer to service provider, transmitting acknowledgement of amount from service provider to insurer, and transferring payment quickly from insurer to service provider.

Abstract: The method for reducing fraud in a non-health government benefit program entails by registering a service provider with a non-health government agency and issuing a service provider identification code, registering at least one service of the service provider with the non-health government agency and identifying a claim code for each registered service; issuing a smart card to an individual related to a benefits program of the non-health government agency wherein the individual has an identification code and the smart card has a feature to identify the individual; using the smart card to determine if the individual is the authorized card bearer and is eligible for the non-health government benefit program; using the smart card to determine if a service provider is preauthorized to provide a registered product under the non-health government program; and using the smart card to facilitate a transmission between the service provider and the non-health government agency.

Abstract: The invention is a method for reducing fraud in a healthcare program by registering a service provider with a private healthcare provider and issuing a service provider identification codes, registering at least one service of the service provider with the private healthcare provider and identifying a claim code for each registered service; issuing a smart card to an individual related to a benefits program of the private healthcare provider wherein the individual has an identification code and the smart card has a feature to identify the individual; using the smart card to determine if the individual is the authorized card bearer and is eligible for the healthcare program; using the smart card to determine if a service provider is preauthorized to provide a registered product under the private healthcare provider program; and using the smart card to facilitate a transmission between the service provider and the private healthcare provider.

Abstract: The invention is a method for reducing fraud in a government benefit program by registering a service provider with a governmental agency and issuing a service provider identification code, registering at least one service of the service provider with the governmental agency and identifying a claim code for each registered service; issuing a smart card to an individual related to a benefits program of the governmental agency wherein the individual has an identification code and the smart card has a feature to identify the individual; using the smart card to determine if the individual is the authorized card bearer and is eligible for the government benefit program; using the smart card to determine if a service provider is preauthorized to provide a registered product under the government program; and using the smart card to facilitate a transmission between the service provider and the government agency.

Abstract: The invention is a method for accelerating the provision of funds to an individual from a government social service program via a program administrator using a smart card by issuing a smart card to an individual related to a particular government social service program, using the smart card to determine if the user is preauthorized for the advancement of funds for a particular government social service program and to determine if the service provider is preauthorized to provide service under the government social service program, then transmitting acknowledgment of services from service provider to government, transmitting amount from government to service provider, transmitting acknowledgement of amount from service provider to government, and transferring payment quickly from government to service provider.

Abstract: The invention is a smart card used to accelerate the provision of funds to a service provider for medical insurance, wherein the smart card has a card substrate and a microchip embedded in the card substrate, wherein the microchip contains information on the insured, insurer, and other related information in order to communicate information concerning the insured, insurer, and other related information between parties involved in the medical transaction to facilitate the process for providing funds for medical services rendered.

Abstract: The invention is a method for accelerating the provision of funds to a service provider for medical insurance using a smart card by a person obtaining medical insurance coverage from an insurer and obtaining a contract from the service provider, creating a smart card, using the smart card to see if the user is eligible for funds, to see if the medical service is preauthorized, and to see if service provider is preauthorized, transmitting acknowledgment of services from service provider to insurer, transmitting amount from insurer to service provider, transmitting acknowledgement of amount from service provider to insurer, and transferring payment quickly from insurer to service provider.