`
`Fundsfor
`Health Claims
`
`70
`
`FIG. 1 (prior art)
`
`Benefit Payment
`
` EFT
`
`
`ConsumesServices
`
`40
`
`Checkand EOB Generated: Py
`
`Plan Sponsor
`for Insured
`
`20
`
`Administrator
`
`Benefit Claim
`
`Check and EOB
`Mailed to Provider
`
`Insured
`
`Health Care Provider
`
`
`
`Fig. 2
`
`80
`
`cr
`
`
`
`Account Pre-
`Funded to Payable
`Amt.
`
` Stored-value Card
`
`
`
` Stored-value
`
` Claim Received
` ~
`
`Payable?
`
`Yes
`
`110
`
`No
`
`EOB
`
`90
`
`
`
`card and EOB
`Mergedinto
`Image File
`
`120
`
`EOB w/o Payment
`
`EOB w/ Payment
`
`Health Care Provider
`
`
`
`Fig. 3
`
`Plan Sponsor Account
`
`Funding Account for
`Benefit Payment
`
`Card Processor
`afi
`
`Funds Loaded
`
`70
`
`Card No.
`CVV No.
`Expiration
`
`Fundsfor
`Health Claims
`
`Authorization for
`Transfer of Funds
`
`-
`
`40
`
`onto Credit Card
`
`
`140 Image File
`
`
`
`
`50
`
`Plan Sponsor
`forInsured
`
`Administrator
`
`Benefit Claim
`
`30
`
`Payment and EOB
`°%
`
`ConsumesServices
`
`Health Care Provider
`
`
`
`Fig. 4
`
`Tran Nbr:=ERS TRaedenes
`
`ABE Company
`72% BAIN ST.
`ERALLASS TR FEM:
`
`Athention:
`
`ROBERT ALLEN
`
`Ta this Geter of
`
`ALLEN MEDICAL
`TEM&. YS&LE AVE
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