Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`Amendments to the Claims:
`
`1.
`
`(Original) A methodof facilitating paymentof adjudicated health care benefits to a
`
`health care provider on behalf of a payer comprising the steps of:
`
`loading a unique, single-use, stored-value card accountwith an
`
`amountequalto a single, authorized benefit payment, the card accountonly
`
`chargeable through a medical services terminal;
`
`generating an explanation of benefits associated with the payment;
`
`creating a computer-generated imagefile containing the stored-value
`
`card account number, the amount, a card verification value code, an
`
`expiration date, and the explanation of benefits;
`
`transmitting the imagefile by fax to the health care provider; and
`
`reconciling the charged card accountto confirm that the health care
`
`providerhas received payment.
`
`2.
`
`(Original) A method offacilitating paymentof adjudicated health care benefits to a
`
`health care provider comprising:
`
`identifying the health care provider that renders medical services in
`
`anticipation of payment; identifying a payer that has agreedto pay the health
`
`care provider on behalf of a patient subject to preselected conditions;
`
`identifying an administrator that determines whether the medical
`
`services conductedby the service provider meet the preselected conditions
`
`by the payer, generates an explanation of benefits, and authorizes paymentof
`
`the service provider for an authorized amount;
`
`intercepting the explanation of benefits and payment information
`
`transmitted from the administrator to the health care provider;
`
`acquiring a single-use, stored-value card account number andloadingit with
`
`funds equal to the authorized amount; mergingthe stored-value card account
`
`number, the authorized amount, a card verification value code, and an
`
`expiration date with the explanation of benefits into a computer-generated
`
`imagefile; and
`
`Page 3 of 14
`
`
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`Amendments to the Claims:
`
`1.
`
`(Original) A methodof facilitating paymentof adjudicated health care benefits to a
`
`health care provider on behalf of a payer comprising the steps of:
`
`loading a unique, single-use, stored-value card accountwith an
`
`amountequalto a single, authorized benefit payment, the card accountonly
`
`chargeable through a medical services terminal;
`
`generating an explanation of benefits associated with the payment;
`
`creating a computer-generated imagefile containing the stored-value
`
`card account number, the amount, a card verification value code, an
`
`expiration date, and the explanation of benefits;
`
`transmitting the imagefile by fax to the health care provider; and
`
`reconciling the charged card accountto confirm that the health care
`
`providerhas received payment.
`
`2.
`
`(Original) A method offacilitating paymentof adjudicated health care benefits to a
`
`health care provider comprising:
`
`identifying the health care provider that renders medical services in
`
`anticipation of payment; identifying a payer that has agreedto pay the health
`
`care provider on behalf of a patient subject to preselected conditions;
`
`identifying an administrator that determines whether the medical
`
`services conductedby the service provider meet the preselected conditions
`
`by the payer, generates an explanation of benefits, and authorizes paymentof
`
`the service provider for an authorized amount;
`
`intercepting the explanation of benefits and payment information
`
`transmitted from the administrator to the health care provider;
`
`acquiring a single-use, stored-value card account number andloadingit with
`
`funds equal to the authorized amount; mergingthe stored-value card account
`
`number, the authorized amount, a card verification value code, and an
`
`expiration date with the explanation of benefits into a computer-generated
`
`imagefile; and
`
`Page 3 of 14
`
`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`transmitting the imagefile to the health care provider via a computer-
`
`implemented transmission.
`
`3.
`
`(Original) The method of claim 2 wherein the imagefile is transmitted byfax.
`
`4.
`
`(Original) The method of claim 2 further comprising the step of reconciling the
`
`charge incurredagainstthe stored-value card account numberto confirm the health
`
`care provider has beenpaid for the services approved by the administrator.
`
`5.
`
`(Original) The method of claim 2 wherein the stored-value card account number is
`
`chargeable only through a medical services terminal.
`
`6.
`
`(Original) A method offacilitating paymentof adjudicated health care benefits to a
`
`health care provider on behalf of a payer comprising the stepsof:
`
`loading a unique, single-use, stored-value card accountwith an
`
`amountequalto a single, authorized benefit payment, the card accountonly
`
`chargeable through a medical services terminal;
`
`generating an explanation of benefits associated with the payment;
`
`creating a computer-generated imagefile containing the stored-value
`
`card account number, the amount, a card verification value code, an
`
`expiration date, and the explanation of benefits;
`
`transmitting the image file by a computer-implemented electronic
`
`transmission medium selected from the group consisting of fax, SMTP, SMS,
`
`MMS, HTTP, HTTPS, and FTP to the health care provider wherein the
`
`electronic transmission includes a computer-generated imageof a physical
`
`card; and
`
`reconciling the charged card accountto confirm that the health care
`
`providerhas received payment.
`
`Page 4 of 14
`
`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`7.
`
`(New,Previously Amended) A method of facilitating payment of adjudicated health
`
`care benefits to a health care provider on behalf of a paver comprising the steps of:
`
`loading a unique, stored-value card account by one or more
`
`computers with an amount equal to a single, adjudicated benefit payment,
`
`generating an explanation of benefits associated with the payment:
`
`creating a computer-generated file containing the stored-value card
`
`account number,the adjudicated benefit payment amount, a card verification
`
`value code, an expiration date, and the explanation of benefits by one or
`
`more computers: and
`
`transmitting the file by one or more computersto the health care
`
`provider.
`
`8.
`
`(New,Previously Presented) The methodof claim 7 further comprising the step of
`
`reconciling the charged card account to confirm that the health care provider has
`
`received payment.
`
`9.
`
`(New,Previously Presented) The method of claim 7 further comprising the step of
`
`providing a computer-generated image of a physical card in the transmittedfile.
`
`10. (New, Previously Presented) The method of claim 7 wherein the transmittedfile is
`
`sent by computer-implemented electronic transmission medium selected from the
`
`group consisting of fax, SMTP, SMS, MMS, HTTP, HTTPS, and FTP.
`
`11. (New, Previously Presented) The method of claim 7 wherein the stored-value card
`
`accountis only chargeable through a medical services terminal.
`
`12. (New, Previously Amended) A system for paymentof health care benefits combining
`
`paymentterms and an explanation of benefits, the system comprising:
`
`an explanation of benefits describing medical services provided to a
`
`patient by a health care provider, an amountbilled by the health care
`
`provider and an amountpaid bythe patient’s insurance company: and
`
`Page 5 of 14
`
`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`a payment mechanism associated with the explanation of benefits, the
`
`payment mechanism merging a stored-value card account number, an
`
`adjudicated benefit payment amount, a card verification value code, and an
`
`expiration date with the explanation of benefits into a document by one or
`
`more computers;
`
`wherein the stored-value card account numberis linked to a unique,
`
`stored-value card account prefunded with an amountequaltoasingle,
`
`adjudicated benefit payment, and wherein the documentis electronically
`
`transmitted to the health care provider as paymentfor the medical services
`
`by said one or more computers.
`
`13. (New,Previously Presented) The system of claim 12 wherein the charged card
`
`accountis reconciled to confirm that the health care provider has received payment.
`
`14. (New,Previously Presented) The system of claim 12 wherein a computer-generated
`
`image of a physical card is provided in the electronically transmitted document.
`
`15. (New, Previously Presented) The system of claim 12 wherein the electronically
`
`transmitted documentis sent by computer-implemented electronic transmission
`
`medium selected from the group consisting of fax, SMTP, SMS, MMS, HTTP, HTTPS,
`
`and FTP.
`
`16. (New, Previously Presented) The system of claim 12 wherein the stored-value card
`
`accountis only chargeable through a medical services terminal.
`
`17. (New, Previously Amended) A computer implemented method for combining
`
`paymentof health care benefits with an associated explanation of benefits, the
`
`method comprising:
`
`receiving an explanation of benefits related to medical services
`
`provided by a health care provider:
`
`Page 6 of 14
`
`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`receiving authorization to pay at least a portion of submitted charges
`
`associated with the explanation of benefits and the associated fundsfor
`
`payment;
`
`funding a unique, stored-value card account with an amount equalto
`
`the adjudicated benefit payment by one or more computers;
`
`merging the explanation of benefits with the stored-value card
`
`account number,the adjudicated benefit amountof payment, a card
`
`verification value code, and an expiration date in an electronic file by said
`
`one or more computers; and
`
`electronically sending the merged file to the health care provider as
`
`paymentfor the services by said one or more computers.
`
`18. (New, Previously Presented) The method of claim 17 wherein the charged card
`
`accountis reconciled to confirm that the health care provider has received payment.
`
`19. (New,Previously Presented) The method of claim 17 wherein a computer-generated
`
`image of a physical card is provided in the mergedfile.
`
`20. (New, Previously Presented) The method of claim 17 wherein the mergedfile is sent
`
`by computer-implemented electronic transmission medium selected from the group
`
`consisting of fax, SMTP, SMS, MMS, HTTP, HTTPS, and FTP.
`
`21. (New,Previously Presented) The method of claim 17 wherein the stored-value card
`
`accountis only chargeable through a medical services terminal.
`
`22. (New, Currently Amended) A system for payment of health care benefits to a health
`
`care provider, the system comprising:
`
`an administration system operable to receive a benefit claim from the
`
`health care provider and to generate an explanation of benefits for the
`
`benefit claim along with an approved payment: and
`
`Page 7 of 14
`
`
`
`Serial No. 13/358,620
`Response to Action Dated May 18, 2012
`
`Attorney Docket No.: 1516.04.RE
`Examiner Hiep V. Nguyen
`
`a card processing system operable to fund a stored-value card account
`
`with an amount equal to the approved paymentby one or more computers,
`
`the card processing system also operable to merge the explanation of
`
`benefits with the stored-value card account numberby one or more
`
`computers, the adjudicated amountof payment, a card verification value
`
`code, and an expiration date in an electronic file and to send the electronic
`
`file to the health care provider as paymentfor the benefit claim by one or
`
`more computers.
`
`23. (New, Previously Presented) The system of claim 22 wherein the charged card
`
`accountis reconciled to confirm that the health care provider has received payment.
`
`24. (New, Previously Presented) The system of claim 22 wherein a computer-generated
`
`image of a physical card is provided in the electronicfile.
`
`25. (New, Previously Presented) The system of claim 22 wherein the electronicfile is
`
`sent by computer-implemented electronic transmission medium selected from the
`
`group consisting of fax, SMTP, SMS, MMS, HTTP, HTTPS, and FTP.
`
`26. (New, Previously Presented) The system of claim 22 wherein the stored-value card
`
`accountis only chargeable through a medical services terminal.
`
`Page 8 of 14
`
`
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