US 12,260,405 B1
Payment card reconciliation by authorization code
Robert M. Allen, Plano, TX (US); and Richard A. Maxwell, Plano, TX (US)
Assigned to VPAY, INC., Plano, TX (US)
Filed by VPay, Inc., Plano, TX (US)
Filed on Sep. 1, 2022, as Appl. No. 17/901,409.
Application 17/901,409 is a continuation of application No. 16/914,600, filed on Jun. 29, 2020, granted, now 11,468,442.
Application 16/914,600 is a continuation of application No. 15/131,742, filed on Apr. 18, 2016, granted, now 10,740,755, issued on Aug. 11, 2020.
Application 15/131,742 is a continuation of application No. 14/843,508, filed on Sep. 2, 2015, abandoned.
Claims priority of provisional application 62/044,446, filed on Sep. 2, 2014.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 50/22 (2024.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/351 (2013.01); G06Q 20/4018 (2013.01); G06Q 50/22 (2013.01)] 19 Claims
OG exemplary drawing
 
8. A system comprising one or more processors and at least one memory storing processor executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving, over a computer network, a data file comprising (1) instructions to pay one or more adjudicated claims in an authorized amount to a healthcare provider having a unique identifier, and (2) a remittance advice file originating in response to one or more claims previously submitted by the healthcare provider:
electronically requesting, from a payment issuing authority, electronic payment data for the authorized amount corresponding to the one or more adjudicated claims;
electronically sending, to a merchant acquirer for the healthcare provider, the unique identifier and the electronic payment data:
generating an authorization code for an electronic payment authorization request associated with the data file;
setting the authorization code to a claim identifier value provided in the one or more claims previously submitted by the healthcare provider, wherein an authorization response associated with the electronic payment authorization request includes the claim identifier value as the authorization code:
generating a modified remittance advice file by inserting the authorization code into the remittance advice file; and
electronically sending, to the healthcare provider, the modified remittance advice file, wherein the authorization code links funds received through an electronic payment transaction to the modified remittance advice file such that the healthcare provider can automatically reconcile a payment received through the electronic payment transaction with the modified remittance advice file.