Sarah E Harrison

US Patent:

7905399, Mar 15, 2011

Filed:

May 4, 2006

Appl. No.:

11/381641

Inventors:

Brian T. Barnes - South Jordan UT, US
Michael Bliman - Matawan NJ, US
Sarah E. Harrison - New York NY, US
Jason S. Jagatic - Hoboken NJ, US
Dana J. Klaboe - Brooklyn NY, US
Leigh Reynolds Malnati - Mountain Lakes NJ, US

International Classification:

G06K 5/00

US Classification:

235381, 235380

Abstract:

A computer-implemented system and method to facilitate a purchase utilizing a flexible spending account, comprising the steps of: receiving, at a host computer, a request for payment authorization for an item; determining whether the item qualifies for pre-tax treatment; and when the item qualifies for pre-tax treatment: determining at least partial payment authorization for the item, transmitting the at least partial payment authorization for the item to a point of sale device; causing the flexible spending account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization; and debiting a non-flexible spending account for an item not qualifying for pre-tax treatment.

US Patent:

7922083, Apr 12, 2011

Filed:

Jul 31, 2006

Appl. No.:

11/461389

Inventors:

Sarah E. Harrison - New York NY, US
Jason S. Jagatic - Hoboken NJ, US
Dana J. Klaboe - Brooklyn NY, US
Leigh R. Malnati - Mountain Lakes NJ, US

International Classification:

G06K 5/00

US Classification:

235381, 235380

Abstract:

The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.

US Patent:

20060167720, Jul 27, 2006

Filed:

Dec 29, 2005

Appl. No.:

11/275399

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NJ, US
Dana Klaboe - Brooklyn NY, US
Leigh Malnati - Mountain Lakes NJ, US

International Classification:

G06Q 10/00
G07G 1/14

US Classification:

705002000, 705014000

Abstract:

A computer-implemented method to facilitate a purchase by a cardmember using a transaction instrument, comprising: receiving, at a host computer, a request from a provider for payment authorization for a charge to the cardmember using the transaction instrument; determining whether the charge is for a covered healthcare expense; if the charge is determined to be for a covered healthcare expense, then crediting an account of the cardmember with points associated with the value of the charge; and if the charge is determined to be for a non-covered expense, then not crediting the cardmember's account with any points associated with the value of the charge.

US Patent:

20070185799, Aug 9, 2007

Filed:

Jul 31, 2006

Appl. No.:

11/461365

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NY, US
Dana Klaboe - Brooklyn NY, US
Leigh Malnati - Mountain Lakes NJ, US

International Classification:

G06Q 40/00

US Classification:

70503600T

Abstract:

A computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received at a host computer. The item comprises any item that qualifies for pre-tax treatment, including, but not limited to: a medical expense; a dental expense; a dependent care expense; a childcare expense; a work-related parking expense; and a work-related transportation expense. The system determines whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment, then the tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment request.

US Patent:

20070185800, Aug 9, 2007

Filed:

Jul 31, 2006

Appl. No.:

11/461374

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NJ, US
Dana Klaboe - Brooklyn NY, US
Leigh Malnati - Mountain Lakes NJ, US

International Classification:

G06Q 40/00

US Classification:

70503600T

Abstract:

A computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request to charge the tax-advantaged account for an item is received at a host computer. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment then at least partial payment authorization for the item is determined, and the tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization. If the item does not qualify for pre-tax treatment, then a non-tax advantaged account is debited for an item not qualifying for pre-tax treatment.

US Patent:

20070185801, Aug 9, 2007

Filed:

Jul 31, 2006

Appl. No.:

11/461392

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NJ, US
Sunil Sachdev - New Rochelle NY, US

International Classification:

G06Q 40/00

US Classification:

70503600T

Abstract:

A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense.

US Patent:

20070185802, Aug 9, 2007

Filed:

Jul 31, 2006

Appl. No.:

11/461394

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NJ, US
Sunil Sachdev - New Rochelle NY, US

International Classification:

G06Q 40/00

US Classification:

70503600T

Abstract:

A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument associated with a tax-advantaged account, wherein the tax-advantaged account is associated with a healthcare plan. A request is received from a merchant to charge the tax-advantaged account for a transaction associated with the transaction instrument. A determination is made whether the charge is for a covered tax-advantaged expense The tax-advantaged account is credited with healthcare plan related points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense. The tax-advantaged account is also credited with transaction instrument related points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense.

US Patent:

20070185803, Aug 9, 2007

Filed:

Jul 31, 2006

Appl. No.:

11/461396

Inventors:

Sarah Harrison - New York NY, US
Jason Jagatic - Hoboken NJ, US
Sunil Sachdev - New Rochelle NY, US

International Classification:

G06Q 40/00

US Classification:

70503600T

Abstract:

A computer-implemented method and system to facilitate a purchase by a cardmember using a transaction instrument. A request to charge a tax-advantaged account for a transaction using the transaction instrument is received at a host computer. A determination is made whether the charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the charge only if the charge is determined to be for a covered tax-advantaged expense.