Visa U.s.a. Inc.

Nigel Smith

Barbara Elizabeth Patterson

Loc Duc Nguyen

Stacy Sweeney Pourfallah

Janet Pruitt

Embodiments of systems and methods in accordance with the present invention relate to a centralized portal for making healthcare information of a patient accessible to a plurality of entities, including but not limited to the patient himself/herself, healthcare providers authorized by the patient, and healthcare payers (insurance carriers) authorized by the patient. In one embodiment, the portal comprises a website associated with a portable consumer device (such as a HSA magnetic stripe credit/debit card) of the patient, and hosted on a server accessible over the world wide web or another computer network. The patient sets a privacy level associated with his or her medical record on the host site, the privacy level granting certain entities (for example healthcare providers or insurance carriers) access to particular medical records of the patient. Upon presenting the portable consumer device to an authorized healthcare provider, medical information previously transmitted through a payment processing network may be received at the authorized healthcare provider.

Method and system using combined healthcare-payment device and web portal for receiving patient medical information

Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.

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Silver Spring, MD, United States of America

Nigel Smith