Get the form # Description. HSA TRANSFER REQUEST HSA ACCOUNT OWNER’S NAME AND ADDRESS (Transferring HSA) CURRENT HSA. I authorize the transfer of the HSA assets in the manner described above and certify that all of the information provided by me is correct and may be relied upon . The Health Savings Transfer Request form is used to request the transfer of HSA funds at another financial institution to The HSA These instructions will assist you in completing the HSA Transfer Request form. If / H (Rev.
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In one implementation the EOOR performs a method, comprising: This application is also a continuation-in-part of, and claims priority under 35 U. United Rqeuest nonprovisional patent application Ser. This application is related to PCT international patent application Ser. The entire contents of the aforementioned applications are gransfer incorporated by reference herein.
Consumers may own multiple payment cards to purchase products and make payments to merchants. Consumers may also use coupons in order to get a discount on a purchase. Consumer transactions requires a customer to select a product from a store shelf or website, and then to check the out at a checkout requesg or webpage.
Product information is selected from a webpage catalog or entered into a point-of-sale terminal device, or the information is entered automatically by scanning an item barcode with an integrated barcode scanner.
The customer is usually provided with a number of payment options, such as cash, check, credit card or debit card. Once payment is made and approved, the point-of-sale terminal memorializes the transaction in the merchant’s computer system, and a receipt is generated indicating tansfer satisfactory consummation of the transaction.
Reference number is introduced in FIG. For example, a consumer may enroll with an electronic wallet service e. In another implementation, the consumer may operate a camera-enabled mobile device to snap a picture of the payment card, and submit it to EOOR, which may in turn process the received card image and obtain card information for consumer card enrollment.
As another example, the EOOR may generate an optimized card selection for purchasing an item. A consumer may desire to use the payment card that could optimize his benefits when he makes the purchase with a selected card. In one implementation, the EOOR may recommend a payment card for a particular purchase to optimize the consumer’s benefits.
In this way, with the reduction of network communications, the transfsr of transactions that may be processed per day is increased, i. In this way, the EOOR reduces redundant information exchange and communication messages between consumers and an issuing bank, and thus improves network transmission and processing efficiency.
In some embodiments, a consumer may use digital wallet to securely purchase products at a merchant’s physical location, or over a network, using a smart phone, payment card, or other item, e. The consumer may own multiple rrequest cards e.
One payment card may offer 7. One payment card may offer flight miles on every purchase. One payment car may offer preferable contractual terms, e. The consumer may desire to use the payment tranwfer that could trqnsfer his benefits when he makes this specific purchase. For example, if the consumer makes a purchase on electronic products, he may want to use the payment card which offers features favorable to electronic products.
In some embodiments, the Payment Network server of the EOOR may determine the best card to use for a particular purchase to optimize the consumer’s benefits In some embodiments, the EOOR may allow Pay Network server to determine the routing and selection of all cards for a consumer that are optimal for the Pay Network server, the consumer, the merchant or the Issuer.
In some embodiments, a customer may register several cards with EOOR. In some embodiments, the pseudo PAN may be assigned if a consumer doesn’t have a payment card to associate other cards with.
The consumer may make a payment at a traditional Point Of Sale device using the master Pan.
In some embodiments, the payment could initiated by the actual master card, or be a special card with the pseudo Pan, or a smart phone, or any mechanism that could pass the desired PAN. The pseudo PAN may be a static or dynamic pseudo Pan. In some embodiments, the Master Pan may be processed to the Pay Network server, so all upstream Bin tables may point at the Pay Network server.
Once at the Pay Network server, the Pay Network server may determine the optimal card to use. Selection of the optimal card may be weighted to benefit any party, e.
In some embodiments, once the determination is made, the master pan may be replaced with the optimal pan and the transaction may be routed accordingly.
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In some embodiments, when the response is received, transfed master pan may be substituted back in. In some embodiments, if the payment is declined, and time remains, a second pan may be tried. In some embodiments, at payment time, a consumer may make a payment using their mobile device, e. In some embodiments, once the merchant is recognized the service may select the optimal card for the consumer to make the purchase.
Optimization may be any combination of factors, e. As shown in FIG. User initiates Coupon Keeper by capturing an image of customer information. In one embodiment, user captures the information found on a customer loyalty card, a gift card, or any other type of closed-loop card. In one embodiment, user captures an image of both the front and the back of the card.
After the image has been captured, Coupon Keeper processes the captured information. In one implementation, this is accomplished by performing an optical character recognition OCR scan on the image to reuqest customer information.
Coupon Keeper may also determine the characteristics of any images on the card and compare the images to known images in a database. In one exemplary embodiment, Coupon Keeper may access a database of logos of merchants to determine which merchant issued the card.
Once the information has been extracted and processed from the image, Coupon Keeper stores the information in a secure profile for user Authorization by the user may be required before extracted information can be stored in the secure profile. In one implementation, this authorization can be accomplished by using a trusted device, such as a smart phone or computer previously registered to the user.
In another implementation, the authorization may be accomplished by requiring the user to enter a user name and password at the appropriate time. Once the extracted information has been stored in the secure profile, the user will then be able to access and use the information using a secure digital wallet, accessible to the user on any number of devices capable of connecting to the Internet.
In some embodiments, a user may, via a user wallet device e. It may be provided by manual input the card information e. In one implementation, the consumer device may perform the OCR procedure to obtain card information and form a new card request sent from the user wallet device to EOOR server requesy. The Pay Network server may verify the user’s authentication information and if verified, process the new card request In some implementations, the server may send the query to the web with rewards program database s to retrieve the rewards data In some implementations, the reequest may send the search query to the new card’s issuer server and retrieve the rewards data Upon receiving the rewards data, the Pay Network server may send a user card selection preference request to the user or user wallet device.
An example user interface to provide input on the user card selection preference is provided in FIGS. The user may provide the user card selection preference so that the server may determine the optimized card to rrquest for a particular purchase based on the user’s customizable preference setup.
In some implementations, the wallet device may generate a user card selection preference request message, and provide the generated user card selection preference request message to the Pay Network server, e.
In some embodiments, the new card data, card rewards data, and user card selection preference data may be stored in Pay Network database s. The Pay Network server may generate a new card addition completion message and send to the user for display The user may initiate the process by providing new payment card information Upon receiving the new card request, the Pay Network server requesst parse the request and retrieve a user identifier The Pay Nsa server may verify the user’s authentication If the user is verifiedin some embodiments, the server may generate a card rewards program data request and send the request to the card’s issuer server.
In some embodiments, the Pay Network server may send the card rewards program data request to the web and retrieve the rewards data from the web. In some embodiments, the rewards data may be preloaded to the card via, for example, a QR code. In some embodiments, the card’s issuer server may provide card rewards program dta to the Pay Network Server.
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Upon receiving the rewards data, the Pay Network server may generate and send user card selection preference request to the user. The user may provide user card selection preference data back to the Pay Network Server.
trnasfer Upon receiving the user card selection preference datathe Pay Network server may store the reuqest card data, card rewards program data, and user preference data to Transfsr Network Database s. In erquest embodiments, the Pay Network Server may generate a new card transsfer completion message and send the message to user for display In some embodiments, if the user’s authentication is not verifiedthe Pay Network server may generate a user unverified message and send the mssage to the user for display In some embodiments, the user may access the wallet account screen to modify the card selector preference of each card or multiple cards.
All of the payment cards stored in the wallet may be made available for the user As an illustrating example only, when the user selects one of the payment cardsa panel with purchase controls may be presented In some implementations, in the optimization settingthe user may choose to manually select the best payment card to use for a purchase, automatically select the best payment card to use, automatically select the best coupon tgansfer use details are provided in FIGS.
The product category setting may include the categories of products which the user may desire to use the card in to maximize the user’s benefits. The benefit preference setting include options that the user may choose in order to maximize the benefits. The Spend range setting may provide limits of each purchase that the payment card is allowed to make.
The proximity setting may be selected by a user to view a list of merchants that are geographically in close proximity to the user.
There may be a geography settingwhich may be selected by a user so that only purchases in these geography locations are allowed e. There may be a frequency settingwhich may be selected by a user so that a payment card may only be used in the selected frequency e.
There may be a overall spend settingwhich may be set up by a user so that the balance of a payment card needs to be maintained below a selected limit e. In some embodiments, a user may also have an option to select multiple cards to set up the card selector preference, e. In a panel of purchase controlsa user may select multiple cards for the server to determine the best payment card to use. For example, a user may choose three of four payment cards, to use.
One of the four payment cards is not selected in the EOOR payment card selector component, as an illustrating example only. When a user makes a purchase that satisfies the preferences pre-set in the purchase controls panel, the Pay Network server may compare the rewards data of the selected three cards, and select the optimized card for payment. In some embodiments, a user may desire to make a purchase at a merchant using wallet account.
The user may present his mobile wallet account at the point of sale terminal, or present a virtual payment card which stores the user’s wallet account information.
The user or user wallet device may send purchase input information to a client client device, or point-of-sale terminal, etc. The client may send the purchase order message to the Merchant Server