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(12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) 



(19) World Intellectual Property Organization 

International Bureau 

(43) International Publication Date 
13 July 2006 (13.07.2006) 




PCT 



(10) International Publication Number 

WO 2006/072822 A3 



(51) International Patent Classification: 
G06Q 10/00 (2006.01) 

(21) International Application Number: 

PCT7IB2005/003842 

(22) International Filing Date: 

21 December 2005 (21.12.2005) 



(25) Filing Language: 

(26) Publication Language: 



English 
English 



(30) Priority Data: 

60/642,452 



7 January 2005 (07.01.2005) US 



(71) Applicant (for all designated States except US): DISCOV- 
ERY HOLDINGS LIMITED [ZA/ZA]; 155 West Street, 
2024 Sandton (ZA). 

(72) Inventor; and 

(75) Inventor/Applicant (for US only): GORE, Adrian 

[ZA/ZA]; 10 7th Street, 2142 Houghton Estate (ZA). 

(74) Agent: SPOOR & FISHER; Building No. 13,Highgrove 
Office Park, Oak Avenue, Centurion, P O Box 454, 0001 
Pretoria (ZA). 



(81) Designated States (unless otherwise indicated, for every 
kind of national protection available): AE, AG, AL, AM, 
AT, AU, AZ, BA, BB, BG, BR, BW, BY, BZ, CA, CH, CN, 
CO, CR, CU, CZ, DE, DK, DM, DZ, EC, EE, EG, ES, FI, 
GB, GD, GE, GH, GM, HR, HU, ID, IL, IN, IS, JP, KE, 
KG, KM, KN, KP, KR, KZ, LC, LK, LR, LS, LT, LU, LV, 
LY, MA, MD, MG, MK, MN, MW, MX, MZ, NA, NG, NI, 
NO, NZ, OM, PG, PH, PL, PT, RO, RU, SC, SD, SE, SG, 
SK, SL, SM, SY, TJ, TM, TN, TR, TT, TZ, UA, UG, US, 
UZ, VC, VN, YU, ZA, ZM, ZW. 

(84) Designated States (unless otherwise indicated, for every 
kind of regional protection available): ARIPO (BW, GH, 
GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, 
ZW), Eurasian (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), 
European (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, 
FR, GB, GR, HU, IE, IS, IT, LT, LU, LV, MC, NL, PL, PT, 
RO, SE, SI, SK, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, 
GN, GQ, GW, ML, MR, NE, SN, TD, TG). 

Published: 

— with international search report 

(88) Date of publication of the international search report: 

12 April 2007 

For two -letter codes and other abbreviations, refer to the "Guid- 
ance Notes on Codes and Abbreviations" appearing at the begin- 
ning of each regular issue of the PCT Gazette. 



(54) Title: A METHOD OF MANAGING THE BUSINESS OF A HEALTH INSURANCE PLAN AND A SYSTEM THEREFOR 



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(57) Abstract: A method of 
managing the business of a health 
insurance plan, wherein the 
provider of such health insurance 
plan undertakes liability in return 
for a premium or contribution, 
and insures members who pay 
such premiums or make such 
contributions for covered health 
services or manages an account 
from which covered health care 
expenses are paid. The method 
includes calculating an amount 
of expenditure of a member 
using a credit or debit card issued 
to the member and increasing 
the amount of funds available 
to a member in a medical 
savings account to be used by 
the member to pay for health 
services or increasing the amount 
of liability the health insurance 
plan undertakes. The amount of the increase is a percentage of the amount of expenditure of the member using the credit or debit 
card issued to the member. 




INTERNATIONAL SEARCH REPORT 


International application No. 




PCT/IB05/03842 



A. CLASSIFICATION OF SUBJECT MATTER 
IPC: G06F 17/60 



USPC: 705/2 

According to International Patent Classification (IPC) or to both national classification and IPC 



B. FIELDS SEARCHED 

Minimum documentation searched (classification system followed by classification symbols) 
U.S. ; 705/2 



Documentation searched other than minimum documentation to the extent that such documents are included in the fields searched 



Electronic data base consulted during the international search (name of data base and, where practicable, search terms used) 



DOCUMENTS CONSIDERED TO BE RELEVANT 



Category * 



Citation of document, with indication, where appropriate, of the relevant passages 



Relevant to claim No. 



Y 
A 



US 6,108,641 (KENNA et ai) 22 August, 2000, see entire reference 

US 2004/0267570 At (BECKER) 30 December 2004, see entire reference 



1-9 
1-9 



□ 



Further documents are listed in the continuation of Box C. 



□ 



See patent family annex. 



* Special categories of cited documents: 

"A" document defining the general state of the art which is not considered to be of 
particular relevance 

"E" earlier application or patent published on or after the international filing date 

"L" document which may throw doubts on priority claim(s) or which is cited to 
establish the publication date of another citation or other special reason (as 
specified) 

"O" document referring to an oral disclosure, use, exhibition or other means 

"P" document published prior to the international filing date but later than the 
priority date claimed 



"T" later document published after the international filing date or priority 

date and not in conflict with the application but cited to understand the 
principle or theory underlying the invention 

"X" document of particular relevance; the claimed invention cannot be 

considered novel or cannot be considered to involve an inventive step 
when the document is taken alone 

"Y" document of particular relevance; the claimed invention cannot be 

considered to involve an inventive step when the document is 
combined with one or more other such documents, such combination 
being obvious to a person skilled in the art 

"&" document member of the same patent family 



Date of the actual completion of the international search 
07 August 2006 (07.08.2006) 


Date ofjxiailing of the international search report 

18 DEC 2006 


Name and mailing address of the ISA/US / 
Mail Stop PCT, Attn: ISA/US { 
Commissioner for Patents §\ 
P.O. Box 1450 // 
Alexandria, Virginia 223 1 3-1450 / J 

Facsimile No. (571) 273-3201 {/ 


i Authorized officer a S\ 

Borissov JffyMM 

Telephone No. 703-308-1113 



Form PCT/ISA/210 (second sheet) (April 2005)