Abstract: In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for completing a test or survey by telephone or on the Internet. Upon successful completion of the test by the consumer, the identification number is validated so that the consumer may withdraw a cash reward from a temporary bank account funded when the identification number is validated via an ATM. Where the consumer is the patient of a physician, the patient may receive the number and card from the physician along with a prescription for redemption at a pharmacy whereat the pharmacy dispenses a supply of the drug to the patient and is paid by the manufacturer of the drug through the former's insurance payment processing system.

Abstract: The present invention relates to a non-transitory computer-readable storage medium containing program code for funding a deposit account associated with a unique identifier encoded on a machine readable card, with an insurance company payment processing system, accessible by a pharmacy for obtaining payment for drugs dispensed to customers insured by an insurance company, wherein the deposit account is only funded upon successful completion of a test or questionnaire by a patient, wherein patient instructions for participating in the test or questionnaire was distributed to the patient by a drug prescriber with a prescription for the drug sample and the machine readable card; and program code for reimbursing the pharmacy from the funded deposit account for the charge for the drug sample in response to the card being read by a card reader linked to the insurance company payment processing system.

Abstract: A method for submitting a claim to a plurality of incentive programs to off-set a patient's financial responsibility for a pharmaceutical prescription, comprising: commencing the filling of a patient prescription; submitting at least a claim for the prescription, using a pre-programmed claim submission system, to a Universal Plan comprised of a plurality of incentive programs using a single Universal BIN associated to the Universal Plan by the claim submission system; receiving a claim response from the Universal Plan; and, charging the patient based on information received in the claim response from the Universal Plan.

Abstract: In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for completing a test or survey by telephone or on the Internet. Upon successful completion of the test by the consumer, the identification number is validated so that the consumer may withdraw a cash reward from a temporary bank account funded when the identification number is validated via an ATM. Where the consumer is the patient of a physician, the patient may receive the number and card from the physician along with a prescription for redemption at a pharmacy whereat the pharmacy dispenses a supply of the drug to the patient and is paid by the manufacturer of the drug through the former's insurance payment processing system.

Abstract: In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for completing a test or survey by telephone or on the Internet. Upon successful completion of the test by the consumer, the identification number is validated so that the consumer may withdraw a cash reward from a temporary bank account funded when the identification number is validated via an ATM. Where the consumer is the patient of a physician, the patient may receive the number and card from the physician along with a prescription for redemption at a pharmacy whereat the pharmacy dispenses a supply of the drug to the patient and is paid by the manufacturer of the drug through the former's insurance payment processing system.

Abstract: In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for completing a test or survey by telephone or on the Internet. Upon successful completion of the test by the consumer, the identification number is validated so that the consumer may withdraw a cash reward from a temporary bank account funded when the identification number is validated via an ATM. Where the consumer is the patient of a physician, the patient may receive the number and card from the physician along with a prescription for redemption at a pharmacy whereat the pharmacy dispenses a supply of the drug to the patient and is paid by the manufacturer of the drug through the former's insurance payment processing system.