Abstract: The PORTABLE PRESCRIPTION PAYMENT DEVICE MANAGEMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“PPD”) provides a portable coupon payment device includes a substrate having surface with an image rendering thereon that corresponds to a free sample. The portable coupon payment device also has memory, in contact with the substrate, having data encoded therein including (i) an identifier for the free sample, (ii) a quantity for the free sample; (iii) a sponsor company account for a selling merchant to charge the cost of the free sample for payment to a selling merchant account to reimburse the selling merchant for the free sample; (iv) an image corresponding to the free sample; and (v) an identifier for a coupon provider donating the free sample to a consumer.

Abstract: Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.

Abstract: A portable prescription sample transaction payment device has a substrate with a surface rendering corresponding to a prescription medical supply sample. Memory, in contact with the substrate, stores an identifier for the prescription medical supply sample, a quantity for the prescription medical supply sample, a dosage for the prescription medical supply sample, and an identifier for a patient. The memory also stores a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample. An image corresponding to the prescription medical supply sample is stored in the memory, as is an identifier for a prescribing medical practitioner prescribing the prescription medical supply sample to the patient.

Abstract: An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.

Abstract: A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.

Abstract: In response to a request sent over a network, information is received about a prescription medical supply sample that includes an advertising account for a dispensing pharmacist to chart the cost of the prescription medical supply sample to and an identifier, quantity, and dosage of the prescription medical supply sample. The received information is then written to the memory of a portable consumer transaction payment device along with an identifier for the patient and identifier for the prescribing medical practitioner. The portable consumer transaction payment device is associated with a patient account to engage in transactions on the patient account with merchants in a payment processing network.

Abstract: Information is received in a transmission from a network about a free sample in response to a request. The information includes an advertising account to which a merchant can charge the cost of the free sample provided to a consumer, and also an identifier and quantity of the free sample. The information is written to the memory of a portable consumer transaction payment device where, also encoded in the memory, is an account issued by an issuer to the consumer for the consumer to engage in transactions on the account with merchants in a payment processing network. Data from a transaction for the free sample is submitted by a merchant to its acquirer for processing by a transaction handler who requests payment for the transaction from the advertising account, and the issuer of the advertising account forwards the payment for the free sample to the merchant's acquirer to reimburse the merchant.

Abstract: An input device of a user interface is used to receive an identifier, quantity, and dosage of a free prescription medical supply sample, and an identifier for a patient. A transmission is sent including the identifier for the free sample. In response, a transmission is received that includes free sample information regarding a pharmaceutical company account for a dispensing pharmacist to charge the cost of the free sample, the identifier, quantity, and dosage of the free sample, and an image corresponding to the free sample. A prescription medical supply sample transaction payment card has written to its memory the free sample information, an identifier for the patient, and an identifier for the prescribing medical practitioner. An image corresponding to the free sample is rendered on the surface of the card.

Abstract: A free sample account transaction payment card to a user of a kiosk is provided. The method includes receiving a selection of a free sample from a database. Each free sample is associated with an account issued to a sponsor who is financially responsible for the cost of providing the sample to a customer, where the account is acceptable by a merchant for payment for distributing the sample to a consumer. The method further includes retrieving, from the database, to memory in the kiosk, a rendering image and sample information including the account, a quantifier for the sample, and a good or service. The sample information is then written from the memory in the kiosk to a memory location in a free sample account transaction payment card stored within the kiosk and a hard copy of the rendering image is rendered on a surface of the free sample account transaction payment card.

Abstract: A portable prescription sample transaction payment device has a substrate with a surface rendering corresponding to a prescription medical supply sample. Memory, in contact with the substrate, stores an identifier for the prescription medical supply sample, a quantity for the prescription medical supply sample, a dosage for the prescription medical supply sample, and an identifier for a patient. The memory also stores a pharmaceutical company account for a dispensing pharmacist to charge the cost of the prescription medical supply sample for payment to a dispensing pharmacist account to reimburse the dispensing pharmacist for the prescription medical supply sample. An image corresponding to the prescription medical supply sample is stored in the memory, as is an identifier for a prescribing medical practitioner prescribing the prescription medical supply sample to the patient.

Abstract: Transactions are processed in which payment is made using an account, such as a health savings account or other type of account in which cardholder purchases are limited to, and/or are documented for, a pre-designated set of merchandise. When a transaction occurs, the purchased products are identified and a determination made whether each product is qualified for purchase under the account. An account transaction record is stored which identifies the date of the transaction, the account, each item that is qualified under the account, a description and quantity of each item, and the total monetary amount of the transaction related to such qualified items. The account transaction records for a particular consumer are used to generate a report that contains data for every transaction on the account. The report can be limited to those transactions that occurred during a period of time, such as a calendar year.

Abstract: A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.

Abstract: Healthcare purchase data from a transaction upon a patient's account may be required to be transported and stored for safeguarding patient confidentiality if sufficient to identify the patient and the purchase. To avoid non-compliance, a transaction hander (TH) receives the data from a merchant's acquirer as encrypted by a key known to both the acquirer and TH. After decrypting the data with that key, the TH re-encrypts it with a key known only to the TH, and then stored. After receiving an issuer's request for the data, the TH decrypts the data using its own key, re-encrypts it using a key known only to the TH and the issuer, and then sends it to the issuer who will decrypt the data using that key. The unencrypted data may be used by the issuer to demonstrate the issuer's regulatory compliance to a governmental entity.

Abstract: A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.

Abstract: System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.

Abstract: Embodiments of the present invention relate to methods and apparatuses serving to provide assurance that healthcare providers will receive payment for services rendered. In one embodiment, a payment card (or other portable consumer device) provides an extended authorization hold period (for example up to 21 days). This hold period allows the healthcare provider to request authorization for payment from the patient's credit, debit, FSA, HRA, or HSA payment card, submit the insurance claim, and then upon receipt of a health insurance carrier's Explanation of Benefits (EOB) within the hold period, submit for settlement only that amount actually due from the patient. In accordance with an alternative embodiment, pending receipt of the EOB from the insurer, the healthcare provider flags a transaction in a point-of-sale (POS) terminal device or server for storage and delayed submittal over an electronic payment network.

Abstract: Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.

Abstract: A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a transaction processing system, which routes the eligibility authorization request message to a healthcare processor. A response message is then received.

Abstract: A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items.

Abstract: A method of using a dictionary of message codes related to health care information is provided. The message codes in the dictionary have corresponding message values. The method includes receiving at least one message value at a first device. The first device then generates at least one message code related to health care information from the at least one message value using corresponding message values from the dictionary. The method also includes transmitting the at least one message code over a payment processing network.