Health lending system and method using probabilistic graph models
First Claim
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1. A system, comprising:
- a first computer system having a processor and a memory;
a computer system that stores claims and benefits data for a payor;
a computer system that stores provider data for a health care transaction provider;
a computer system that stores consumer data about a consumer of a health care service;
the first computer system hosting an input processor configured to receive data from the computer systems that store claims and benefits data for the payor, provider data and consumer data about a health service transaction and process the data about the health care transaction using an ETL process;
the first computer system hosting a graph model engine that receives the data about the health care transaction and programmatically generates a bayes graph for the payor using the claims and benefits data to generate a payor risk associated with the health care transaction, a bayes graph for the provider using the provider data to generate a provider risk associated with the health care transaction and a bayes graph for the consumer using the consumer data and the claims and benefits data to generate a consumer risk associated with the health care transaction; and
the computer system configured to generate a risk measure for the health service transaction using the payor risk, provider risk and consumer risk generated using the bayes graphs for each entity that is part of the health service transaction.
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Abstract
A system and method for health lending using a probabilistic graph model are described. The system and method may generate a health credit score (“HICO”). The HICO is a score that is a risk measure placed on all entities of a healthcare transaction in which a company that owns or operates the system may have an interest or a company that utilizes the HICO score for its risk assessment.
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Citations
24 Claims
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1. A system, comprising:
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a first computer system having a processor and a memory; a computer system that stores claims and benefits data for a payor; a computer system that stores provider data for a health care transaction provider; a computer system that stores consumer data about a consumer of a health care service; the first computer system hosting an input processor configured to receive data from the computer systems that store claims and benefits data for the payor, provider data and consumer data about a health service transaction and process the data about the health care transaction using an ETL process; the first computer system hosting a graph model engine that receives the data about the health care transaction and programmatically generates a bayes graph for the payor using the claims and benefits data to generate a payor risk associated with the health care transaction, a bayes graph for the provider using the provider data to generate a provider risk associated with the health care transaction and a bayes graph for the consumer using the consumer data and the claims and benefits data to generate a consumer risk associated with the health care transaction; and the computer system configured to generate a risk measure for the health service transaction using the payor risk, provider risk and consumer risk generated using the bayes graphs for each entity that is part of the health service transaction. - View Dependent Claims (6, 7, 8)
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- 2. The system of 1, wherein the processor is configured to use a probabilistic graph model to generate the risk measure.
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9. A method, comprising:
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providing a computer system having a processor, memory and a plurality of lines of computer code configured to; receive and process data about a health service transaction using an ETL process, the data about the health care transaction including claims and benefits data for a payor, provider data for a health care transaction provider and consumer data about a consumer of a health care service; generate a bayes graph for the payor using the claims and benefits data to generate a payor risk associated with the health care transaction, a bayes graph for the provider using the provider data to generate a provider risk associated with the health care transaction and a bayes graph for the consumer using the consumer data and the claims and benefits data to generate a consumer risk associated with the health service transaction; and generate a risk measure for the health service transaction using the payor risk, provider risk and consumer risk generated using the bayes graphs for each entity that is part of the health service transaction. - View Dependent Claims (14, 15, 16)
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- 10. The method of 9, wherein generating the risk measure further comprises using a probabilistic graph model to generate the risk measure.
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17. An apparatus, comprising:
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a processor; a memory; the processor configured to receive and process data about a health service transaction using an ETL process, the data about the health care transaction including claims and benefits data for a payor, provider data for a health care transaction provider and consumer data about a consumer of a health care service; and the processor configured to generate a bayes graph for the payor using the claims and benefits data to generate a payor risk associated with the health care transaction, a bayes graph for the provider using the provider data to generate a provider risk associated with the health care transaction and a bayes graph for the consumer using the consumer data and the claims and benefits data to generate a consumer risk associated with the health care transaction and to generate a risk measure for the health service transaction using the payor risk, provider risk and consumer risk generated using the bayes graphs for each entity that is part of the health service transaction. - View Dependent Claims (22, 23, 24)
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- 18. The apparatus of 17, wherein the processor is configured to use a probabilistic graph model to generate the risk measure.
Specification