Automated reimbursement interactions

Abstract

A computerized reimbursement system including at least one reimbursement-enabled mobile communicator having computerized memory functionality, computerized communications functionality and wireless payment functionality and at least one reimbursement-enabled computer server having computerized memory functionality and computerized communications functionality, at least one of the at least one reimbursement-enabled mobile communicator and the at least one reimbursement-enabled computer server storing reimbursement policy parameters which are selectable by a reimbursing party using the system, the reimbursement policy parameters including at least payee location and transaction amount, at least one of the at least one mobile communicator and the at least one computer server being operative to automatically complete payment transactions which are compliant with the reimbursement policy parameters and to automatically reject payment transactions which are not compliant with the reimbursement policy parameters.

1 . A computerized immediate settlement insurance claim payment system comprising:
 insurance policy issuing functionality for issuing, by an insurer, an insurance policy to an insured, and associating said policy with a payment-enabled mobile communicator to be carried by said insured and, upon the occurrence of an insured event, to be employed by said insured to cover at least part of the cost of said insured event, said insurance policy including a charge back provision allowing said insurer to charge back payments made to said insured via an identified credit card account of said insured;   at least near real time automatic insurance claim verification functionality which is operative to automatically verify the right of said insured to obtain payment from said insurer by automatically verifying at least one of the value of said payment, the type of recipient entitled to receive such payment and the location of said recipient as identified by said mobile communicator;   insurance claim documentation requesting functionality operative to request, at the initiative of said insurer, documentation relating to said insured event; and   chargeback functionality operative to charge back, at the initiative of said insurer, at least part of said payment via said identified credit card account of said insured.   
     
     
         2 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said payment-enabled mobile communicator enables at least some medical information regarding the insured to be communicated to a medical service provider. 
     
     
         3 . A computerized immediate settlement insurance claim payment system according to  claim 2  and wherein said payment-enabled mobile communicator stores said at least some medical information regarding the insured to be communicated to a medical service provider. 
     
     
         4 . A computerized immediate settlement insurance claim payment system according to  claim 2  and wherein said payment-enabled mobile communicator communicates said at least some medical information regarding the insured from an external database to said medical service provider. 
     
     
         5 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said payment-enabled mobile communicator provides at least one of recommendations and travel directions to an insured to assist him in contacting a medical service provider. 
     
     
         6 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said chargeback functionality is operative, in the absence of receipt of said documentation, to charge back said payment via said identified credit card account of said insured. 
     
     
         7 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said chargeback functionality is operative, upon receipt of said documentation, to charge back at least part of said payment via said identified credit card account of said insured. 
     
     
         8 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said insured authorizes a mobile communication service provider to provide country of origin information relating to said payment-enable mobile communicator to said insurer. 
     
     
         9 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said payment-enabled mobile communicator includes at least two of the following functionalities:
 insurance policy issuance functionality; 
 payment location verification functionality; 
 medical treatment documentation communication functionality; 
 medical information communication functionality; 
 medical service provider recommendation functionality; 
 medical service provider travel directions functionality; 
 claim eligibility ascertaining functionality; 
 payment level eligibility functionality; and 
 claim adjudication functionality. 
 
     
     
         10 . A computerized immediate settlement insurance claim payment system according to  claim 1  and wherein said payment-enabled mobile communicator includes at least five of the following functionalities:
 insurance policy issuance functionality; 
 payment location verification functionality; 
 medical treatment documentation communication functionality; 
 medical information communication functionality; 
 medical service provider recommendation functionality; 
 medical service provider travel directions functionality; 
 claim eligibility ascertaining functionality; 
 payment level eligibility functionality; and 
 claim adjudication functionality. 
 
     
     
         11 . A computerized reimbursement system comprising:
 at least one reimbursement-enabled mobile communicator having computerized memory functionality, computerized communications functionality and wireless payment functionality; and   at least one reimbursement-enabled computer server having computerized memory functionality and computerized communications functionality,   at least one of said at least one reimbursement-enabled mobile communicator and said at least one reimbursement-enabled computer server storing reimbursement policy parameters which are selectable by a reimbursing party using the system, said reimbursement policy parameters including at least payee location and transaction amount;   at least one of said at least one mobile communicator and said at least one computer server being operative to automatically complete payment transactions which are compliant with said reimbursement policy parameters and to automatically reject payment transactions which are not compliant with said reimbursement policy parameters.   
     
     
         12 . A computerized reimbursement system according to  claim 11  and wherein said at least one computer server is operative to seek repayment of at least a portion of a payment already made which fails to satisfy certain criteria. 
     
     
         13 . A computerized reimbursement system according to  claim 12  and wherein:
 said at least one reimbursement-enabled mobile communicator is utilized by an employee of said reimbursing party; and 
 said repayment includes deducting said at least a portion of a payment from wages of said employee. 
 
     
     
         14 . A computerized reimbursement system according to  claim 12  and wherein said criteria include providing documentation relating to said payment transaction. 
     
     
         15 . A computerized reimbursement system according to  claim 11  and wherein said policy parameters include at least one single transaction maximum payment amount. 
     
     
         16 . A computerized reimbursement system according to  claim 11  and wherein said policy parameters include at least one trip duration maximum payment amount. 
     
     
         17 . A computerized reimbursement system according to  claim 11  and wherein a mobile communication service provider is authorized to provide country of origin information relating to said payment-enable mobile communicator to said computerized reimbursement system. 
     
     
         18 . A computerized reimbursement system according to  claim 11  and wherein said payment-enabled mobile communicator includes at least two of the following functionalities:
 payment location verification functionality; 
 payment documentation communication functionality; 
 product/service provider recommendation functionality; 
 product/service provider travel directions functionality; 
 reimbursement eligibility ascertaining functionality; 
 reimbursement amount eligibility functionality; and 
 reimbursement adjudication functionality. 
 
     
     
         19 . A computerized reimbursement system according to  claim 11  and wherein said payment-enabled mobile communicator includes at least four of the following functionalities:
 payment location verification functionality; 
 payment documentation communication functionality; 
 product/service provider recommendation functionality; 
 product/service provider travel directions functionality; 
 reimbursement eligibility ascertaining functionality; 
 reimbursement amount eligibility functionality; and 
 reimbursement adjudication functionality. 
 
     
     
         20 . A computerized reimbursement system according to  claim 11  and wherein said payment-enabled mobile communicator includes all of the following functionalities:
 payment location verification functionality; 
 payment documentation communication functionality; 
 product/service provider recommendation functionality; 
 product/service provider travel directions functionality; 
 reimbursement eligibility ascertaining functionality; 
 reimbursement amount eligibility functionality; and 
 reimbursement adjudication functionality.