Abstract: An automated method of employing a dynamic discount card payment program to enable a discount card-carrying consumer to pay a discount card-accepting service provider bill amount, such that a dynamic discount payment card computer system monitors modifications made, by a service provider, to a discount rate methodology and automatically calculates and applies the service provider-modified discount rate methodology to the service provider bill amount during processing of a corresponding consumer discount card-based payment of the provider bill amount.

Abstract: An automated method of employing a dynamic discount card payment program to enable a discount card-carrying consumer to pay a discount card-accepting service provider bill amount, such that a dynamic discount payment card computer system monitors modifications made, by a service provider, to a discount rate methodology and automatically calculates and applies the service provider-modified discount rate methodology to the service provider bill amount during processing of a corresponding consumer discount card-based payment of the provider bill amount.

Abstract: A method for payment of healthcare costs for a patient includes supplying a healthcare provider with a card swipe machine having a card sensor for reading a payment card, a processor for calculating a bill, and a memory storing established discounts and risk payment amounts. A patient utilizing the payment card has a predetermined discount applied to a healthcare services bill. The payment card provider pays to the healthcare provider the discounted bill minus a negotiated risk payment amount for assuming the risk for collecting the payment. The payment card provider invoices the patient for the amount of the billed healthcare services and collects that amount from the patient.

Abstract: A method for payment of healthcare costs for a patient includes supplying a healthcare provider with a card swipe machine having a card sensor for reading a payment card, a processor for calculating a bill, and a memory storing established discounts and risk payment amounts. A patient utilizing the payment card has a predetermined discount applied to a healthcare services bill. The payment card provider pays to the healthcare provider the discounted bill minus a negotiated risk payment amount for assuming the risk for collecting the payment. The payment card provider invoices the patient for the amount of the billed healthcare services and collects that amount from the patient.

Abstract: A method by which a consumer pays for services provided by a service provider with a payment card issued by a payment card provider. The method comprises: using the payment card, the consumer paying the amount due for the services less a discount amount, wherein a discount table agreed to by the payment card provider and the service provider indicates for each one of a plurality of discount amounts an incentive fee payable to the payment card provider; the payment card provider paying the healthcare provider the amount due less the discount and less the incentive fee; and the payment card provider debiting a payment account of the consumer with the amount due less the discount.

Abstract: A method for payment of healthcare charges. The patient pays the amount due with a healthcare credit card and in return receives a first discount from the amount due. The credit card issuing company pays the healthcare provider an amount equal to the patient charge less the first and less a second discount. The credit card issuing company collects from the patient an amount equal to the amount charged less the first discount. The healthcare provider minimizes its accounts receivable, the patient receives a discount from the amount due and the charge card issuer earns a profit due to a payment to the healthcare provider of a double discounted amount while collecting from the patient a single discounted amount.