Loren E Mccaghy

US Patent:

20070239492, Oct 11, 2007

Filed:

Apr 10, 2006

Appl. No.:

11/401735

Inventors:

Christopher Sweetland - San Francisco CA, US
Loren McCaghy - East Hampton CT, US
Charles Nunn - Brooklyn NY, US
Neville Hamilton - Alameda CA, US
Richard Cornelius - Telluride CO, US

International Classification:

G06Q 10/00
G06Q 40/00

US Classification:

705004000, 705001000, 705002000

Abstract:

A method may aggregate historical transactions for a consumer, each transaction being associated with services or products provided to the consumer. Thereafter, one or more benefit plans available to the consumer are identified. These benefit plans (e.g., healthcare insurance plans) provide payment for predetermined services or products provided to the consumer. Costs that would be incurred by the consumer if the consumer used each of the identified one or more benefit plans for payment of the transactions are then determined. Based on this determination, data indicating costs associated with at least one benefit plan are transmitted. Related apparatuses, computer program products, and computer systems are also described.

US Patent:

20070239493, Oct 11, 2007

Filed:

Apr 10, 2006

Appl. No.:

11/401764

Inventors:

Christopher Sweetland - San Francisco CA, US
Loren McCaghy - East Hampton CT, US
Charles Nunn - Brooklyn NY, US
Neville Hamilton - Alameda CA, US
Richard Cornelius - Telluride CO, US

International Classification:

G06Q 10/00
G06Q 40/00

US Classification:

705004000, 705002000, 705044000

Abstract:

A method may receive data comprising a request to assure payment for a transaction with a consumer, the transaction being associated with a provision of a service or a sale of a product. Thereafter, it may be determined whether payment of at least a portion of the transaction will be covered by a benefit plan associated with the consumer, and additionally, whether the consumer is able to pay for at least a portion of the transaction not covered by the benefit plan. Data is then transmitted authorizing the transaction if a predetermined amount of the transaction will be covered by at least one of the benefit plan or the consumer. Related apparatuses, computer program products, and computer systems are also described.