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1. 发明授权

US07949546B1 Method and system for providing family medical history data 有权
标题翻译：提供家族病史资料的方法和系统
公开(公告)号：US07949546B1
公开(公告)日：2011-05-24
申请号：US11925022
申请日：2007-10-26
申请人： Michael S. Klieman , Thomas Anthony Frasher , Todd M. Fitch , Steven Sholtis
发明人： Michael S. Klieman , Thomas Anthony Frasher , Todd M. Fitch , Steven Sholtis
IPC分类号： G06F15/16
CPC分类号： G06Q50/24 , G06F19/00 , G06Q50/22 , G16H10/60
摘要： A method and system for providing family health history data includes a process for providing family health history data whereby, all, or part of, a family member's health data is obtained from, but not limited to, any of the following sources: the family member and/or agents of the family member; one or more other family members, one or more healthcare providers; one or more healthcare insurance plan providers; one or more healthcare benefit program administrators; one or more financial institutions; and/or any other source of a family member's health data. All, or part of, the family member's health data is then provided to other family members, healthcare providers for family members, state and/or private agencies, and/or any other party as designated by the family member, and on a selective access basis, as designated by the family member, for use as family health history data by the designated parties.
摘要翻译：一种用于提供家庭健康史数据的方法和系统包括提供家庭健康史数据的过程，其中家族成员的健康数据的全部或一部分从但不限于以下任何来源获得：家庭成员和/或家庭成员的代理人; 一个或多个其他家庭成员，一个或多个保健提供者; 一个或多个医疗保险计划提供者; 一个或多个医疗福利计划管理员; 一个或多个金融机构; 和/或家庭成员健康数据的任何其他来源。然后将家庭成员的健康数据全部或部分提供给其他家庭成员，家庭成员，国家和/或私人机构的医疗保健提供者，和/或家庭成员指定的任何其他方，以及选择性接入由家庭成员指定，由指定方用作家庭健康史数据。

2. 发明授权

US08930205B1 Method and system for personalized healthcare related expense investment planning 有权
标题翻译：个性化医疗相关费用投资规划方法与系统
公开(公告)号：US08930205B1
公开(公告)日：2015-01-06
申请号：US11740232
申请日：2007-04-25
申请人： Michael S. Klieman
发明人： Michael S. Klieman
IPC分类号： G06Q50/00
CPC分类号： G06Q50/22 , G06F19/00 , G06Q40/00
摘要： A method and system for personalized healthcare related expense investment planning includes a process for personalized healthcare related expense investment planning whereby, in one embodiment, a timeframe is defined during which the investor/user wishes to provide funds to cover healthcare expenses. In one embodiment, the user's healthcare services utilization for the defined timeframe is then projected/predicted using a personalized healthcare service utilization model. In one embodiment, the cost of the user's projected healthcare service utilization for the defined timeframe is then calculated/predicted based on the user taking part in one or more defined healthcare programs. In one embodiment, the calculated cost of the user's projected healthcare service utilization for the defined timeframe is then used to select an investment plan and/or strategy to provide healthcare expense funds for the defined timeframe.
摘要翻译：用于个性化医疗相关费用投资规划的方法和系统包括个性化医疗相关费用投资计划的过程，其中在一个实施例中，定义投资者/用户希望提供资金以支付医疗费用的时间框架。在一个实施例中，然后使用个性化保健服务利用模型来预测/预测用于所定义时间范围内的用户的医疗服务利用。在一个实施例中，然后基于参与一个或多个所定义的医疗保健程序的用户来计算/预测用于所定义时间范围内的用户预计保健服务利用的成本。在一个实施例中，用于所定义的时间范围内用户预计的医疗保健服务利用的计算成本随后用于选择投资计划和/或策略以在所定义的时间范围内提供医疗费用资金。

3. 发明授权

US07899750B1 Goal orientated computing system implemented financial management using projected balances 有权
标题翻译：面向目标的计算系统使用预计余额实施财务管理
公开(公告)号：US07899750B1
公开(公告)日：2011-03-01
申请号：US11554823
申请日：2006-10-31
申请人： Michael S. Klieman , Tara Feldmeier
发明人： Michael S. Klieman , Tara Feldmeier
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/102 , G06Q40/00
摘要： A method and apparatus for goal orientated computing system implemented financial management using projected balances includes a process for goal orientated financial management using projected balances whereby a user defines financial goals and then automatic payment rules based on projected account balance data are created to help accomplish those goals.
摘要翻译：用于目标导向的计算系统的方法和装置使用预计余额实施财务管理包括使用预期余额的目标导向财务管理的过程，由用户定义财务目标，然后创建基于投影账户余额数据的自动支付规则，以帮助实现这些目标。

4. 发明授权

US08280143B1 Method and system for adding check information to an electronic transaction listing 有权
标题翻译：将检查信息添加到电子交易清单的方法和系统
公开(公告)号：US08280143B1
公开(公告)日：2012-10-02
申请号：US12269485
申请日：2008-11-12
申请人： Michael S. Klieman , Muhammet Serdar Akin
发明人： Michael S. Klieman , Muhammet Serdar Akin
IPC分类号： G06K9/00
CPC分类号： G06K9/00469 , G06Q20/042
摘要： A system and method for adding check information to an electronic transaction listing whereby a paper check, or copy of a paper check, is scanned into a computing system and converted to an electronic image of the paper check. One or more areas of the image of the paper check are identified and the image of the paper check is sub-divided into image sub-sections based on the content displayed in a given area/sub-section. One or more image sub-sections are copied from the electronic image of the paper check and then added to a check based financial transaction listing in a financial transaction list.
摘要翻译：一种用于将检查信息添加到电子交易列表中的系统和方法，由此将纸张检查或纸张检查的副本扫描到计算系统中并转换成纸张检查的电子图像。识别纸张检查的图像的一个或多个区域，并且基于在给定区域/子部分中显示的内容将纸张检查的图像细分成图像子部分。从纸张检查的电子图像复制一个或多个图像子部分，然后将其添加到金融交易列表中的基于检查的金融交易清单。

5. 发明授权

US07844472B1 Method and system for aggregating and standardizing healthcare quality measures 有权
标题翻译：汇总和规范医疗保健质量措施的方法和制度
公开(公告)号：US07844472B1
公开(公告)日：2010-11-30
申请号：US12018740
申请日：2008-01-23
申请人： Muhammet Serdar Akin , Michael S. Klieman
发明人： Muhammet Serdar Akin , Michael S. Klieman
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q10/06 , G06F19/00 , G06Q50/22 , G06Q50/24
摘要： A method and system for aggregating and standardizing healthcare quality ratings includes a process for aggregating and standardizing healthcare quality ratings whereby data representing healthcare provider quality ratings is obtained from one or more sources, i.e., parties offering and/or presenting healthcare provider quality ratings data. The data representing healthcare provider quality ratings obtained from one or more sources is then aggregated. The aggregated data representing healthcare provider quality ratings obtained from one or more sources is then standardized and/or normalized to provide a standardized and uniform ratings format/system. The normalized aggregated data representing healthcare provider quality ratings obtained from one or more sources is then stored, for access by authorized parties.
摘要翻译：用于聚合和标准化医疗质量评级的方法和系统包括聚合和标准化医疗质量评级的过程，其中从一个或多个来源即提供和/或呈现医疗服务提供者质量等级数据的各方获得代表医疗保健提供者质量评级的数据。然后汇总代表从一个或多个来源获得的医疗保健提供者质量评级的数据。然后将代表从一个或多个来源获得的医疗保健提供者质量等级的聚合数据标准化和/或归一化以提供标准化和统一的评级格式/系统。然后存储代表从一个或多个来源获得的医疗保健提供者质量等级的归一化聚合数据，供授权方访问。

6. 发明授权

US08407064B1 Method and system for healthcare benefit plan selection 有权
标题翻译：医疗福利计划选择方法与系统
公开(公告)号：US08407064B1
公开(公告)日：2013-03-26
申请号：US11754816
申请日：2007-05-29
申请人： Michael S. Klieman , Michael A. Battaglia , Muhammet Serdar Akin
发明人： Michael S. Klieman , Michael A. Battaglia , Muhammet Serdar Akin
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06F19/00 , G06Q50/22
摘要： A method and system for healthcare benefit plan selection determines a healthcare consumer's projected/predicted healthcare service utilization for a defined timeframe using a personalized healthcare service utilization model created based on: general/demographic data associated with the healthcare consumer; the healthcare consumer's historical healthcare service utilization; and the healthcare consumer's personal health profile data. Data associated with the rules governing the operation and use of two or more candidate healthcare benefit plans is also obtained. The operation and rules of use are then applied to healthcare consumer's projected healthcare service utilization for the defined timeframe to create expected healthcare consumer experience model data under each of two or more candidate healthcare benefit plans. In one embodiment, comparison data and/or a plan recommendation is then provided to the healthcare consumer.
摘要翻译：用于医疗福利计划选择的方法和系统使用基于与医疗保健消费者相关联的一般/人口统计数据创建的个性化医疗保健服务利用模型来确定医疗保健消费者在预定时间范围内的预计/预测的医疗保健服务利用率; 医疗保健消费者的历史医疗服务利用; 和医疗保健消费者的个人健康档案数据。还获得了与管理和使用两个或更多候选医疗保健福利计划的规则相关的数据。然后将操作和使用规则应用于医疗保健消费者预定的医疗保健服务利用率，以在规定的时间范围内，在两个或多个候选医疗福利计划中的每一个下创建预期的医疗保健消费者体验模型数据。在一个实施例中，然后将比较数据和/或计划推荐提供给医疗保健消费者。

7. 发明授权

US08392208B1 Method and system for health expense verification and processing 有权
标题翻译：卫生费用验证和处理方法和系统
公开(公告)号：US08392208B1
公开(公告)日：2013-03-05
申请号：US11668161
申请日：2007-01-29
申请人： Michael S. Klieman , Muhammet Serdar Akin
发明人： Michael S. Klieman , Muhammet Serdar Akin
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q10/10 , G06F19/00 , G06Q50/22
摘要： A method and system for health care expense verification and reimbursement processing includes a process for health care expense verification and reimbursement processing whereby electronic data including data representing health care expense transactions is collected. The electronic data is then analyzed and health care expense transactions that are potentially eligible for reimbursement from a health care expense account are identified. The identified health care expense transactions are then verified as eligible health care expense transactions based on the electronic data collected and/or the source of the data. Data representing the verified health care expense transactions is then electronically and automatically made available to a health care expense account program administrator for immediate reimbursement processing.
摘要翻译：用于医疗费用验证和报销处理的方法和系统包括用于医疗费用验证和报销处理的过程，其中收集包括代表医疗费用交易的数据的电子数据。然后分析电子数据，并确定可能有资格从医疗保健费用帐户偿还的医疗费用交易。然后，基于收集的电子数据和/或数据来源，将确定的医疗费用交易作为合格的医疗费用交易进行验证。代表验证的医疗保健费用交易的数据然后以电子方式自动提供给医疗费用帐户程序管理员，以便立即报销处理。

8. 发明授权

US08346664B1 Method and system for modifying financial transaction categorization lists based on input from multiple users 有权
标题翻译：基于来自多个用户的输入来修改金融交易分类列表的方法和系统
公开(公告)号：US08346664B1
公开(公告)日：2013-01-01
申请号：US12265021
申请日：2008-11-05
申请人： Michael S. Klieman , Joseph William Wells, III , Kevin M. Reeth, II , Jeffrey Zimmerman
发明人： Michael S. Klieman , Joseph William Wells, III , Kevin M. Reeth, II , Jeffrey Zimmerman
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A system and method for modifying financial transaction categorization lists based on input from multiple users whereby, when a given user of a computing system implemented financial management system modifies their own list of possible categorizations for a given financial transaction, data indicating the given user's modification of the given user's own list of possible categorizations for a given financial transaction is obtained by the computing system implemented financial management system. The obtained data indicating the given user's modification of their own list of possible categorizations for a given financial transaction is then used by the computing system implemented financial management system to create and/or modify a shared list of possible categorizations for a given financial transaction. The shared list of possible categorizations for a given financial transaction is then made available to, and/or used by, a community of users of the computing system implemented financial management system.
摘要翻译：一种用于基于多个用户的输入来修改金融交易分类列表的系统和方法，由此当计算系统的给定用户实施的财务管理系统修改其针对给定金融交易的可能分类列表时，指示给定用户修改的数据给定用户自己的给定金融交易可能分类的列表是由计算系统实现的财务管理系统获得的。所获得的指示给定用户修改自己的给定金融交易可能分类列表的数据随后由计算系统实施的财务管理系统用于为给定金融交易创建和/或修改可能分类的共享列表。给定金融交易的可能分类的共享列表随后可用于计算系统实施的财务管理系统的用户社区和/或由其使用。

9. 发明授权

US07783567B1 Bill payment migration 有权
标题翻译：帐单付款迁移
公开(公告)号：US07783567B1
公开(公告)日：2010-08-24
申请号：US11245643
申请日：2005-10-07
申请人： Michael S. Klieman , Patricia D. Armada , Muhammet Serdar Akin , Julia Patterson , Charles Eric Destrempes , Akim Maryanchik , Lei Wang , Keng H. Teh
发明人： Michael S. Klieman , Patricia D. Armada , Muhammet Serdar Akin , Julia Patterson , Charles Eric Destrempes , Akim Maryanchik , Lei Wang , Keng H. Teh
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q20/14
摘要： A method and system for migrating transactions, such as bill payment transactions, between payment modules and/or payment processors. Each payment object is set up with payment information input to a payment module and results in one or more transactions. During a selective migration, each transaction is treated separately, based on a state of the transaction. A transaction that has either not been yet submitted, or has been completed can be migrated directly, while a transaction that is in some state of processing is iteratively migrated as it completes processing.
摘要翻译：用于在支付模块和/或支付处理器之间迁移诸如账单支付交易的交易的方法和系统。每个付款对象被设置为输入到支付模块的支付信息并导致一个或多个交易。在选择性迁移期间，每个交易根据交易的状态单独处理。尚未提交或已完成的事务可以直接迁移，而处理某种状态的事务在完成处理时会被迭代迁移。

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