Nicholas Santoro

US Patent:

20040172309, Sep 2, 2004

Filed:

Nov 15, 2002

Appl. No.:

10/298132

Inventors:

Ragui Selwanes - Edgewater NJ, US
Nicholas Santoro - Avon CT, US
Joseph Druzolowski - South Windsor CT, US
Anna Mickiewicz - West Chester PA, US

International Classification:

G06F017/60

US Classification:

705/004000

Abstract:

A method for facilitating multi-party transactions. A provider receives a provider card and the provider card is used to initialize services and to specify types of services. A member card is provided to members and used to obtain insurance information related to that member prior to a provider providing goods or services to the member. The provider card may then be used to obtain payment from the insurer. One or both of the provider card and the member card may be one of a credit card, debit card, stored value card and smart card that may be used for financial transactions as well.

US Patent:

20040172312, Sep 2, 2004

Filed:

Mar 7, 2003

Appl. No.:

10/383485

Inventors:

Ragui Selwanes - Edgewater NJ, US
Nicholas Santoro - Avon CT, US
Joseph Druzolowski - South Windsor CT, US
Anna Mickiewicz - West Chester PA, US

International Classification:

G06F017/60

US Classification:

705/004000

Abstract:

A method for facilitating multi-party transactions. A provider receives a provider card and the provider card is used to initialize services and to specify types of services. A member card is provided to members and used to obtain insurance information related to that member prior to a provider providing goods or services to the member. The provider card may then be used to obtain payment from the insurer. One or both of the provider card and the member card may be one of a credit card, debit card, stored value card and smart card that may be used for financial transactions as well.