Margaret E Miller

US Patent:

20080183627, Jul 31, 2008

Filed:

Jan 29, 2007

Appl. No.:

11/698955

Inventors:

Sarah Harrison - New York NY, US
Mark Keck - New York NY, US
Sunil Sachdev - New Rochelle NY, US
Margaret A. Miller - Land O Lakes FL, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 20/00
H04L 9/28
G06Q 50/00

US Classification:

705 67

Abstract:

A system, method and computer program product for linking healthcare purchases to tax advantaged accounts by means of a card containing a card member's data. The system assists in substantiating eligible expenses for participating card holders. The system leverages existing data feeds. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster substantiation of claims and hence, improving customer satisfaction. The individual card member, the card company and a service providing merchant can also communicate through a common platform like a third party website to manually substantiate any pending claims corresponding to purchases. The invention circumvents the need for a card member to use electronic payment cards at only eligible health care merchants and assists individual card members in getting benefits for eligible purchases made using the electronic card at non-healthcare merchants.

US Patent:

20080197188, Aug 21, 2008

Filed:

Feb 15, 2007

Appl. No.:

11/675478

Inventors:

Jason Jagatic - Hoboken NJ, US
Sarah Harrison - New York NY, US
Margaret A. Miller - Land O' Lakes FL, US
Sunil Sachdev - New Rochelle NY, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06K 7/00

US Classification:

235380

Abstract:

A system, method and computer program product for capturing Line-Item-Detail to assist in substantiating eligible expenses for participating card holders. The system leverages existing data feeds to capture Line-Item-Detail at a point of sale (POS). Advanced filtering and transmission protocols are implemented to enable the process of capturing and transmission of data. The system helps to reduce the number of paper receipts that are required from card members, especially those resulting from over the counter purchases at retail stores. By flagging eligible purchases, the invention aids in automation of the rebate/claims process thereby leading to a faster rebate process and hence, improving customer satisfaction.

US Patent:

20080201165, Aug 21, 2008

Filed:

Feb 15, 2007

Appl. No.:

11/675438

Inventors:

MARK KECK - New York NY, US
Sarah Harrison - New York NY, US
Ahana Kalappa - New York NY, US
Sunil Sachdev - New Rochelle NY, US
Margaret A. Miller - Land O Lakes FL, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 50/00
G06Q 40/00

US Classification:

705 2, 705 35

Abstract:

A system and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a Practice Management System which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can result from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.

US Patent:

20080201176, Aug 21, 2008

Filed:

Feb 15, 2007

Appl. No.:

11/675456

Inventors:

Mark Keck - New York NY, US
Sarah Harrison - New York NY, US
Ahana Kalappa - New York NY, US
Sunil Sachdev - New Rochelle NY, US
Margaret A. Miller - Land O Lakes FL, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 4

Abstract:

A method and computer program product for integrating verification of eligibility information of a card member enrolled in a health plan with a payment account required to pay for the services used according to the health plan is described. The present invention integrates card member information to a method which provides payment capabilities for services used by the card member. The invention encodes basic patient eligibility information onto a card magnetic stripe. This helps in overcoming any manual data entry errors that can resulted from a paper-based or paperless electronic process. The invention provides the ability to complete a transaction involving a medical service provider, a patient and a payer in a single swipe of card.

US Patent:

20090006135, Jan 1, 2009

Filed:

Jun 26, 2007

Appl. No.:

11/768708

Inventors:

Mark KECK - New York NY, US
Sarah Harrison - London, GB
Ahana Kalappa - New York NY, US
Sunil Sachdev - New Rochelle NY, US
Margaret A. Miller - Land O'Lakes FL, US
Sachin Joshi - New York NY, US

Assignee:

American Express Travel Related services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 4, 705 40

Abstract:

A method for accelerating a payment to a merchant for a healthcare related claim. The method comprises submitting a healthcare related claim for payment from the merchant to a payer; determining at the payer whether the member is eligible for services covered as a part of his or her healthcare plan. If the member is determined to be eligible for payment of claim(s) submitted, then a financial institution is notified of an estimated amount of liability for the claim. At least a portion of the estimated amount of liability for the claim is paid to the merchant by the financial institution. The financial institution thereafter receives a reimbursement/payment from a healthcare finding source for the adjudicated amount of liability for the claim. Once the claim is adjudicated, a healthcare management system reconciles with the merchant for any under or over payment.