Registers – Systems controlled by data bearing records – Credit or identification card systems
Reexamination Certificate
2011-01-11
2011-01-11
Le, Thien M. (Department: 2887)
Registers
Systems controlled by data bearing records
Credit or identification card systems
C235S381000
Reexamination Certificate
active
07866548
ABSTRACT:
The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least on item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
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International Search Report, Form PCT/ISA/210, 3 pages, for International Application No. PCT/US05/42811 completed on Jan. 21, 2007 and mailed Feb. 6, 2007.
Brown Steven T.
Erdmann Jeffrey Jay
Gruchalski Joanne E.
Reed Cullen L.
Stephenson Richard L.
Greenberg & Traurig, LLP
Humana Inc.
Johnson Sonji
Le Thien M.
Metavante Corporation
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