WO2004042626A2

WO2004042626A2 - System and method for carrying out transactions

Info

Publication number: WO2004042626A2
Application number: PCT/HU2003/000092
Authority: WO
Inventors: Péter NAGY
Original assignee: Care Full Holding B.V.
Priority date: 2002-11-06
Filing date: 2003-11-05
Publication date: 2004-05-21
Also published as: HU0203819D0; HUP0203819A2; AU2003282261A1; WO2004042626A3

Abstract

The invention is a system and a method for carrying out payment transactions, the system comprising a financing party (F) financing goods or services, a bank (12) handling the financing party's bank account (12F), a user (U) purchasing the piece of goods or service, and a POS terminal (11) for carrying out the purchase. According to the invention, the user (U) is furnished with a co-branded credit card (13) issued for a bank account (12F) of the financing party (F), and the amount to be paid to the financing party (F) on the basis of purchasing the piece of goods or the service is transferred to the financing party (F) by using the credit card (13) at the POS terminal (11) set to refund mode.

Description

SYSTEM AND METHOD FOR CARRYING OUT TRANSACTIONS

TECHNICAL FIELD

The invention relates to a system and a method for business transactions between a party financing goods or services and a user purchasing goods or services.

BACKGROUND ART

In the specification and the claims, the financing party is a market actor who enables a user to purchase a piece of goods or service, which is at least partly financed by the financing party. In the case of transactions relating to goods, the financing party can be for example a wholesaler, a manufacturer or a supplier keeping a consignment stock with the retailer, or a seller, or - in the case of selling services - an insurance company, a health insurance organization or a service provider. Of course, in addition to the examples listed above, the system and method according to the invention may be used for any other transactions that arise in the business world between a financing party and a user.

The system according to the invention, which is called APS (Advanced

Payment System), as well as the method can be advantageously used in business transactions, where it is in the interest of the participants to co-operate closely, in addition to making sure that the matter is handled precisely and rapidly.

In the relationship between a financing party and a user many problems arise from monitoring the sale of goods/services and handling the necessary clearing transactions on the basis of the sale. Although, for example, the decreasing of a retailer's stock or the "consumption" of health care services can be easily monitored on the basis of the current recording/invoicing software applications, the steps necessary for filling up stocks and effecting payments in accordance with the purchase are frequently taken on an ad hoc basis. For example, the wholesaler is frequently informed verbally on the phone about stock decreasing, and the wholesaler in turn uses a similar ad hoc approach in delivering and invoicing the goods on the basis of the decrease in stocks.

Transaction systems applicable in financing party-user relationships are described for example in US 2002/0104878 A1 , US 6,208,973 B1 , US 6,185,545 B1 , WO 00/67219 and EP 0 987 642 A2. This known transaction systems represent a certain step forward vis-a-vis ad hoc arrangements, but they do not provide an integrated system which serves for resolving the transaction tasks in a financing party-user relationship simply, efficiently and automatically.

In the trade, retailer consignment stocks are applied for simplifying payment transactions and for making goods supply more efficient. The essence of this approach is that one part of the stock of goods at the retailer is owned by the wholesaler, which part is held by the retailer under consignment i.e. a commission for selling. By monitoring a decrease in the consignment stock, payment transactions can be made much more organized, but a reduction in the retailer's consignment stock is still reported in an ad hoc manner to the wholesaler in prior art systems, and accordingly the payment transactions are also carried out in a non-systematic way.

Regarding business transactions, furthermore, especially in the area of providing services financed by health insurance organizations, there is a demand for setting up a transaction system that offers an efficient solution for handling the clearing transactions of services. DISCLOSURE OF INVENTION

It is an object of the invention to provide a system and a method for carrying out transactions between a financing party and a user, by which the required business clearings can be executed simply, automatically and efficiently.

According to one aspect, the invention is a system for carrying out payment transactions, the system comprising a financing party financing goods or services, a bank handling the financing party's bank account, a user purchasing the piece of goods or service, and a POS terminal for carrying out the purchase. The user is furnished with a co-branded credit card issued for a bank account of the financing party, and the amount to be paid to the financing party on the basis of purchasing the piece of goods or the service is transferred to the financing party by using the credit card at the POS terminal set to refund mode.

By means of the system according to the invention, transactions can be carried out simply, efficiently and automatically when paying the financing party by using the normal refund (or reverse) mode of POS terminals with a co-branded credit card issued for the financing party's bank account.

According to a preferred embodiment, the usability of the credit card is limited to the POS terminal or to the goods or services financed. Thereby an eventual abuse of the credit cards issued for the wholesaler's account can be avoided.

By drawing the credit card, an authorization is preferably given to the bank to effect payment to the financing party, which payment is effected by the bank after a pre-determined time period. It therefore becomes possible for the user to collect the amount covering the purchase on its bank account. Preferably, the user has a bank account which is handled by the bank that handles the bank account of the financing party, wherein the bank account of the user is a technical account, and wherein filling up of these technical account can be implemented by means of remittances effected from other bank accounts at ATMs, with ordinary credit cards.

A particularly preferred embodiment is characterized in that the financing party is a wholesaler distributing goods, and the user is a retailer, wherein at least one part of the retailer's stock is a consignment stock owned by the wholesaler, and the payment to the wholesaler on the basis of a decrease in the consignment stock is carried out by the system. In this case, the system preferably comprises a retailer computer means for recording a decrease in the consignment stock, wherein the POS terminal is connected to the computer means, and a wholesaler computer means having a communication link to the retailer computer means, through which communication link information about the decrease in the consignment stock is forwarded to the wholesaler computer means.

The above embodiment preferably comprises a system service provider server installed between the wholesaler computer means and the retailer computer means, wherein the information about the decrease in the consignment stock is forwarded through the server to the wholesaler and an invoice issued by the wholesaler to the retailer on the basis of this information is also forwarded through the server, and wherein the wholesaler computer means is a wholesaler terminal. The payment to the wholesaler is preferably effected at regular intervals, and the consignment stock is filled up at regular intervals on the basis of the decrease in the consignment stock. This embodiment further simplifies the implementation of the transactions.

Another particularly preferred embodiment is characterized in that the financing party is a health insurance organization and the user is a patient, wherein upon effecting a payment by the patient for a health service or piece of goods purchased by the patient, the remittance to the health insurance organization of the non-financed part of the price of the service or piece of goods is authorized by means of the credit card through the POS terminal set to refund mode. Preferably, the financial settling of the non-financed part of the price of the service, the form and/or quality of the service is checked at the health insurance organization, and depending on the result of this check is the amount to be paid to the service provider paid by the health insurance organization by remittance.

In the case of the above embodiment, it is of preference if a bank account of the service provider is handled by the bank that handles the bank account of the financing party.

According to another aspect, the invention is a method for carrying out payment transactions, in which a POS terminal is used for payments effected by a user purchasing a piece of goods or service, and from the price of the purchased piece of goods or service the amount to be paid to a financing party at least partly financing the piece of goods or service is paid through a bank handling the financing party's bank account. The user is furnished with a co- branded credit card issued for a bank account of the financing party, and the amount to be paid to the financing party from the price of the purchased piece of goods or service is paid by using the credit card on the POS terminal set in refund mode.

BRIEF DESCRIPTION OF DRAWINGS

The invention will hereinafter be described on the basis of preferred embodiments depicted by the drawings, where

Fig. 1 is a schematic drawing depicting a transaction system according to the invention, and

Fig. 2 is a schematic drawing depicting another inventive transaction system.

MODES FOR CARRYING OUT THE INVENTION

The transaction system and method according to the invention can be preferably used for handling transactions between pharmacies as users and drug wholesalers as financing parties, and furthermore between patients as users and health insurance organizations as financing parties.

In the transaction system shown in Fig. i , user U is a retailer, preferably a pharmacy. The retailer has a retailer computer means 10, preferably a PC, to which a POS (Point Of Sale) terminal 11 known per se is connected preferably via a serial line.

The stock of goods held by the retailer is preferably at least partly a consignment stock owned by a financing party F, who is preferably a medicine wholesaler. Establishing the consignment stock can be carried out for example by the wholesaler buying one part of the retailer stock, and leaving the goods with the retailer on the basis of a sale commission or order. Next, retail sale continues as if the goods were owned by the retailer.

When selling the goods in retail trade, the price of the goods is paid by the customer to the retailer in cash or by means of the POS terminal 11. According to the invention, the invoicing and stock monitoring program running on the computer means 10 keeps records of the change of the consignment stock and that of the stock owned by the retailer separately. Preferably, the filling up of the stock, the payment to the wholesaler and the issuing of the wholesaler's invoice is implemented on the basis of a monitored decrease in the consignment stock, according to the following.

The wholesaler has a wholesaler computer means 15, which is preferably a wholesaler terminal. The retailer computer means 10 and the wholesaler computer means 15 are preferably connected to each other via a system service provider server 14, for example by means of a telephone based internet link or a leased line internet link.

The retailer computer means 10 indicates to the wholesaler automatically and regularly the decrease in the consignment stock, preferably every day at closing time or prior to the last possible order time. This is implemented in one of the preferred embodiments in a way that the computer means 10 sends a message automatically to the server 14 when closing, in the framework of step S-i, in which message the data relating to the decrease are specified. These data are sent in the framework of step S_1a by the server 14 to the wholesaler terminal, which displays these data to the wholesaler. On the basis of the reported decrease in the consignment stock, the wholesaler issues an invoice to the retailer, and preferably in the framework of step S₂, the invoice or the invoicing data are sent to the server 14 and the latter sends them in turn in the framework of step S_2a to the retailer.

The bank 12 - handling the bank account 12_F of the wholesaler who is the financing party F - issues according to the invention the so-called co-branded credit cards 13, which are associated with the bank account 12_F, for retailers with whom the wholesaler is in contact. The co-branded credit cards 13 are submitted by the wholesaler to the retailers. The usability of the credit cards 13 is preferably limited to the POS terminals 11 of the retailers or to the goods of the consignment stock.

According to the invention, "co-branded credit card" is understood in the broadest sense, i.e. this term covers all kind of means used for payment, such as credit cards, debit cards or pre-paid cards, wherein the payment means is issued in connection with a bank account 12F of a financing party F.

By restricting the usability of the credit cards 13 as above, abusing the cards can be avoided. Of course, there are other possible and suitable restrictions that can be applied. However, it is a basic consideration that it is not in the retailer's interest to abuse the credit card in a transaction system established for longer term according to the invention, because as a result of the communication link between the server 14 and the bank 12, the abuses can be displayed and monitored in real time. In order to ensure an even higher security and to reduce banking costs, the retailers preferably have their user bank accounts 12u with the same bank 12 that handles the wholesaler's transactions.

Preferably, the user bank accounts 12u are so called technical accounts opened by the bank for the users upon issuing the co-branded credit cards 13. Filling up of these technical accounts can be implemented, for example, by means of remittances effected from other bank accounts at ATMs (Automated Teller Machines), with ordinary credit cards. Alternatively, a balance order can be given to the bank 12 to fill up the technical account from a given bank account, if the balance of the technical bank account 12u drops below a pre-determined level.

Payment to the wholesaler is performed by means of the co-branded credit cards 13 on the basis of the reported decrease in the consignment stock. By means of the program running on the retailer computer means 10, at the daily closing time on the basis of the daily decrease in the consignment stock, the amount corresponding to the decrease and based on the wholesale price is sent in the framework of step S₃ to the POS terminal 11 together with the data required for the payment transaction, for example with the customer code or with the beneficiary's other data. Next, the retailer or its employee sets the POS terminal 11 to refund mode in a way known per se and by using, i.e. drawing the credit card 13 an authorization is given in the framework of step S₄ to remit the amount to the wholesaler's bank account. The POS terminal 11 is in contact as known per se, for example via a modem, with the bank 12. The bank 12 can preferably check the retailer's authorization, after which, according to what is disclosed below, the amount is transferred in the framework of step Ss from the user's bank account 12u to the financing party's bank account 12_F.

The refund (or reverse) mode is one of the operating modes of the POS terminals 11 , which refund operation is primarily applied for compensating or deleting erroneous payment operations. According to the invention, however, by means of the credit cards 13 having a limited usability, this known mode of operation is used in the transaction system for making a payment to the financing party.

The retailer's bank accounts handled by the bank 12 receive the retailer's cash office payments, the buyers' credit card payments realized through the POS terminal 11 and other remittance payments that are effected, for example, by means of ATMs. If the transaction system is applied for pharmacies, the pharmacy's bank account also receives financed amounts from the health insurance organization. Payment in a refund mode by the credit card 13 is carried out from the coverage generated by the amounts so received. Of course, the retailer covers its retail margin from the amount received and pays to the wholesaler the agreed wholesale price on the basis of the decrease in stock.

In a preferred embodiment of the invention, the payment in a refund mode by the credit card 13 is realized by the bank 12 after a pre-determined period, only. Therefore, the retailers can use the wholesaler's money for a specified time. This time serves for the retailer to accumulate a coverage for the amount to be paid to the wholesaler, by cash payments or other crediting of its bank account. If during the specified period a coverage for the payment is collected, the bank 12 does not provide a credit in the transaction system according to the invention. However, if the coverage is not available within the specified period, the bank 12 pays the wholesaler from a credit margin provided on the basis of a pre-specified credit qualification.

The bank 12 may have different guarantees for extending a credit. A guarantee can be for example the exclusive right of collecting the financed amounts from the health insurance organization, information on the period and extent of financed amounts or the minimum number of transactions from and to the retailer's bank account. The latter information can be provided by the server 14 in the framework of step Se to the bank 12 in an on-line mode, for example via a modem link. The retailer's credit margin can be for example the total wholesale price of ten days of consignment sales. If the retailer has not settled its debt within a specified period, for example fifteen days, to the bank 12, the latter indicates this to the server 14 in the framework of step S , and on the basis of this information the server 14 stops the consignment goods deliveries. In this case the wholesaler no longer delivers goods from the credit provided by the bank 12, and the bank 12 no longer extends a credit to the retailer.

Filling up the consignment stock is also carried out on the basis of the reduction in stock reported by the retailer computer means 10. In this way, the goods and payment transactions can be carried out automatically, simply and efficiently between the wholesaler and the retailer.

Furthermore, in the given case, the server 14 may send information to the bank 12 regarding the amounts to be remitted, on the basis of the data coming from the POS terminal 11 , and may inform the wholesaler if the bank 12 has not received the required amount from a retailer, even after a warning.

In the other transaction system depicted in Fig. 2, the financing party F is an insurance or a health insurance organization and the user U is a client or patient making use of insured or health care services. The financing party F requests the bank 12 jointly used with the users U to issue the co-branded credit cards 13 associated with the financing party's bank account 12F, and these credit cards are issued in a number corresponding to that of the users U. The credit cards 13 in this case are preferably chip cards.

In the framework of a contract Cι, the health insurance organization gives the credit cards 13 to the patients. The contract Ci is a financing contract, in the framework of which the parties agree to the refunded services and products, their volume, as well as the form, place and amount of utilization. Next, using the credit card 13, the patient visits a health care service provider P participating in the system. Previously, the health insurance organization concludes a service provider contract C₂ with the service providers P contributing to the system. The service provider P sells its service or goods to the patient, in the course of which the data relating to the payment are sent in the framework of step Sg to the POS terminal 11 linked to a service provider computer means 16, and when the POS terminal 11 is set to refund mode according to the description above, the patient authorizes payment to the health insurance organization by means of his credit card 13 in the framework of step Sιo.

In the step S10 an authorization is given regarding the non-financed part of the service or piece of goods from the patient's, i.e. the user's bank account 12u to the bank account 12F of the health insurance organization, i.e. the financing party F, and based on this authorization a payment is effected by the bank 12 in the framework of step Sn. Next, the bank 12 sends information to the health insurance organization in the framework of step Sι_2a that the payment has been made, and the service provider P gives information in the framework of step S-ι_2b about providing the service. On the basis of the information received, the health insurance organization carries out the checking, adequacy-determining and comparison of the utilized service or product including the payment terms, and depending on the result of this check, in the framework of step S₁₃ it gives authorization to the bank 12 to remit from the financing party's bank account 12_F to the service provider's bank account 12p the whole price of the service or piece of goods, i.e. the sum of the non-financed and financed parts of the price.

Even in the system depicted in Fig. 2, the financing party F has a computer means 15 which handles the communication processes with the computer means 16 and the bank 12. Even in the system depicted in Fig. 2, a system service provider server 14 can be installed, which is preferably linked between the financing party F and the user U, carrying out the tasks described in association with Fig. 1. A further difference between the system embodiments shown in Figs. 1 and 2 is that in the system shown in Fig. 2, the POS terminal 11 is connected to the computer means 16 of the service provider P, and only the credit card 13 is assigned to the user U. This is because the application of the co-branded (or corporate) credit cards 13 allows running the system according to the invention without assigning the POS terminal 11 to a particular market actor.

Alternatively, according to a further - non-depicted - embodiment of the invention, the co-branded credit card is issued for the bank account of the user.

The credit card is still co-branded in the sense that it is associated with a financing party's bank account. In this case, the payment for the goods or services effected at a retail point is carried out in the normal operating mode of the POS terminal. However, because of using the co-branded credit card, the non-financed part of the price of the price of goods or service is forwarded not to the bank account of the retailer, but to the financing party's bank account. After the checking step described above in connection with Fig. 2, the financing party gives authorization to the bank to remit from the financing party's bank account to the retailer's bank account the whole price of the service or piece of goods.

Applying the system and method according to the invention entails numerous advantages, which are the following regarding the participants of the system:

For the user

- The retailer only finances a smaller separate stock, but its range of products distributed is not reduced, thereby improving return on the capital invested.

- When starting up the transaction system, it realizes an income by the wholesaler's buy-out of the consignment stock. - The wholesaler's money can be used free of charge for a certain specified time. - By increasing the wholesaler's market share, the retailer may obtain more favorable payment terms.

- The patient may pay for services utilized from the service providers in the system simply without any administrative burden. - The range of service providers available to the patient is extended and hence the service providers have an interest in raising the standard of services.

For the financing party

- The business and the clientele expand. - The supplier rights of the products in the consignment stock is tied to the relevant wholesaler.

- One part of the consignment stock may have a higher price margin.

- The payment deadline is substantially reduced from the current 30 to 60 days on average. - Advantages stemming from faster payment and higher sales are appreciated by the manufacturers, and hence they are prepared to grant further discounts.

- Under pre-financed conditions, the insurance company appears as a large customer in the market of service providers by utilizing goods and services.

- In the case of an insurance company, a significant extension in payment deadlines can be achieved for the service providers.

For the bank

- A so far uncovered market segment becomes customer.

- Relatively large amounts of payment transactions are handled. - Other bank services can be sold to the new customers.

- More income is realized from credit card operations.

- Providing risk sharing based credit becomes possible as a result of users linked to the system.

Of course, the invention is not limited to the preferred embodiments described above, but various alterations and changes are possible within the scope of the invention. The transaction system and method may not only be applied between pharmacies and medicine wholesalers or patients and the health insurance organization, but in all business contacts where a financing party and user in the broadest possible sense take part.

Claims

1. A system for carrying out payment transactions, the system comprising a financing party financing goods or services, a bank handling the financing party's bank account, a user purchasing the piece of goods or service, and a POS terminal for carrying out the purchase, c h a r a c t e r i z e d in that the user (U) is furnished with a co-branded credit card (13) issued for a bank account (12_F) of the financing party (F), and the amount to be paid to the financing party (F) on the basis of purchasing the piece of goods or the service is transferred to the financing party (F) by using the credit card (13) at the POS terminal (11) set to refund mode.

2. The system according to claim 1 , characterized in that the usability of the credit card (13) is limited to the POS terminal (11) or to the goods or services financed.

3. The system according to the claim 1 or claim 2, characterized in that by drawing the credit card (13), an authorization is given to the bank (12) to effect payment to the financing party (F), which payment is effected by the bank (12) after a pre-determined time period.

4. The system according to any of claims 1 to 3, characterized in that the user (U) has a bank account (12u) which is handled by the bank (12) that handles the bank account (12_F) of the financing party (F), wherein the bank account (12u) of the user (U) is a technical account, and wherein filling up of these technical account can be implemented by means of remittances effected from other bank accounts at ATMs, with ordinary credit cards.

5. The system according to any of the claims 1 to 4, characterized in that the financing party (F) is a wholesaler distributing goods, and the user (U) is a retailer, wherein at least one part of the retailer's stock is a consignment stock owned by the wholesaler, and the payment to the wholesaler on the basis of a decrease in the consignment stock is carried out by the system.

6. The system according to claim 5, characterized by comprising a retailer computer means (10) for recording a decrease in the consignment stock, wherein the POS terminal (11 ) is connected to the computer means (10), and a wholesaler computer means (15) having a communication link to the retailer computer means (10), through which communication link information about the decrease in the consignment stock is forwarded to the wholesaler computer means (15).

7. The system according to claim 6, characterized by comprising a system service provider server (14) installed between the wholesaler computer means (15) and the retailer computer means (10), wherein the information about the decrease in the consignment stock is forwarded through the server (14) to the wholesaler and an invoice issued by the wholesaler to the retailer on the basis of this information is also forwarded through the server (14), and wherein the wholesaler computer means (15) is a wholesaler terminal.

8. The system according to claim 7, characterized in that the payment to the wholesaler is effected at regular intervals, and the consignment stock is filled up at regular intervals on the basis of the decrease in the consignment stock.

9. The system according to any of claims 1 to 4, characterized in that the financing party (F) is an insurance organization and the user (U) is a client, wherein upon effecting a payment by the client for an insured service or piece of goods, the remittance to the insurance organization of the non-financed part of the price of the service or piece of goods is authorized by means of the credit card (13) through the POS terminal (11 ) set to refund mode.

10. The system according to claim 9, characterized in that the financial settling of the non-financed part of the price of the service, the form and/or quality of the service is checked at the insurance organization, and depending on the result of this check is the amount to be paid to the service provider (P) paid by the health insurance organization by remittance.

11. The system according to claim 10, characterized in that a bank account (12_P) of the service provider (P) is handled by the bank (12) that handles the bank account (12F) of the financing party (F).

12. A method for carrying out payment transactions, in which a POS terminal is used for payments effected by a user purchasing a piece of goods or service, and from the price of the purchased piece of goods or service the amount to be paid to a financing party at least partly financing the piece of goods or service is paid through a bank handling the financing party's bank account, c h a r a c t e r i z e d in that the user (U) is furnished with a co-branded credit card (13) issued for a bank account (12F) of the financing party (F), and the amount to be paid to the financing party (F) from the price of the purchased piece of goods or service is paid by using the credit card (13) on the POS terminal (11 ) set in refund mode.

13. The method according to claim 12, characterized in that the usability of the credit card (13) is limited to the POS terminal (11 ) or to the financed goods or services.

14. The method according to claim 12 or claim 13, characterized in that by drawing the credit card (13), an authorization is given to the bank (12) to effect payment to the financing party (F), which payment is effected by the bank (12) after a pre-determined time period.

15. The method according to any of claims 12 to 14, characterized in that the user (U) has a bank account (12u) which is handled by the bank (12) that handles the bank account (12_F) of the financing party (F), wherein the bank account (12u) of the user (U) is a technical account, and wherein filling up of these technical account can be implemented by means of remittances effected from other bank accounts at ATMs, with ordinary credit cards.

16. The method according to any of claims 12 to 15, characterized in that the financing party (F) is a wholesaler distributing goods, and the user (U) is a retailer, wherein at least one part of the retailer's stock is a consignment stock owned by the wholesaler, and the payment to the wholesaler is carried out on the basis of a decrease in the consignment stock.

17. The method according to claim 16, characterized in that a retailer computer means (10) is used for recording a decrease in the consignment stock, wherein the POS terminal (11) is connected to the computer means (10), and furthermore a wholesaler computer means (15) having a communication link to the retailer computer means (10) is used, through which communication link information about the decrease in the consignment stock is forwarded to the wholesaler computer means (15).

18. The method according to claim 17, characterized in that a system service provider server (14) installed between the wholesaler computer means (15) and the retailer computer means (10) is used, wherein the information about the decrease in the consignment stock is forwarded through the server (14) to the wholesaler and an invoice issued by the wholesaler to the retailer on the basis of this information is also forwarded through the server (14), and wherein the wholesaler computer means (15) is a wholesaler terminal.

19. The method according to claim 18, characterized in that the payment to the wholesaler is effected at regular intervals, and the consignment stock is filled up at regular intervals on the basis of the decrease in the consignment stock.

20. The method according to any of claims 12 to 15, characterized in that the financing party (F) is an insurance organization and the user (U) is a client, wherein upon effecting a payment for a piece of goods or service provided for the client, the non-financed part of the price of the piece of goods or service is paid to the insurance organization by means of the credit card (13) on the POS terminal (11 ) set to refund mode.

21. A method according to Claim 20, characterized in that the financial settling of the non-financed part of the price, the form and/or quality of the service is checked at the insurance organization, and depending on the result of this check is the amount to be paid to the service provider (P) paid by remittance.