Arturo Diaz Diaz

US Patent:

20070174120, Jul 26, 2007

Filed:

Jan 25, 2006

Appl. No.:

11/338634

Inventors:

Alejandro Asmar - Rio Piedras PR, US
Arturo Diaz - Rio Piedras PR, US

International Classification:

G06Q 30/00

US Classification:

705014000

Abstract:

An electronic fund transfer system that provides vital marketing information to participating merchants and purchasing records to customers while offering the most efficient and effective system to deliver the best terms and conditions for the products and services requested by customers. The system includes an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All discounts are managed by the data clearinghouse which receives consumer data and merchant data. The clearinghouse communicates with the financial institution and forwards a statement which displays the accumulated discounts to the consumer.

US Patent:

20070192195, Aug 16, 2007

Filed:

Mar 15, 2007

Appl. No.:

11/724321

Inventors:

Alejandro Asmar - Rio Piedras PR, US
Arturo Diaz - Rio Piedras PR, US

International Classification:

G06Q 30/00
G06Q 10/00

US Classification:

705014000, 705002000

Abstract:

A web based electronic system with the capacity to record vital behavioral information while providing a platform for participating insurance companies to offer incentives for patients to engage in specific preventive care and/or health promotion practices. The system includes either an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services, or a magnetic strip card as an ID to record the transaction. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All incentives are managed by the data clearinghouse which receives patient data and provider data. The clearinghouse communicates with the insurance company and forwards a statement which displays the historical behavior.

US Patent:

20110213647, Sep 1, 2011

Filed:

Feb 28, 2011

Appl. No.:

12/929979

Inventors:

Alejandro G. Asmar - Rio Piedras PR, US
Arturo Diaz - Rio Piedras PR, US

International Classification:

G06Q 30/00

US Classification:

705 1417, 705 1427, 705 143

Abstract:

An electronic fund transfer system that provides vital marketing information to participating merchants and purchasing records to customers while offering the most efficient and effective system to deliver the best terms and conditions for the products and services requested by customers. The system includes an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All discounts are managed by the data clearinghouse which receives consumer data and merchant data. The clearinghouse communicates with the financial institution and forwards a statement which displays the accumulated discounts to the consumer.