Method and system for managing consumer-directed accounts
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United States of America Patent
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N/A
Issued Date -
Jan 18, 2018
app pub date -
Sep 30, 2014
filing date -
Apr 15, 2003
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
According to one embodiment, the present invention relates to a method and a system for substantiating claims prior to payment from consumer-directed accounts. A computer implemented method for providing consumer-directed account management comprising the steps of receiving a request for payment for a transaction wherein the request comprises claim data identifying the transaction and a payment amount; adjudicating the request to determine claim eligibility; requesting a validation of available funds in a consumer-directed account associated with a participant for the payment amount, wherein a party contributes a predetermined amount of funds to the consumer-directed account; receiving a confirmation indicating whether the consumer-directed account contains sufficient funds to cover the payment amount; and transmitting a validation message indicating payment validation and claim eligibility.
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