Healthcare Claims Processing Mechanism for a Transaction System
First Claim
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1. A healthcare claims management and payment transaction system comprising:
- a registration mechanism constructed and arranged to generate and transmit a message representing registration information to the system;
a claim submission mechanism constructed and arranged to generate and transmit a message representing claim information to the system; and
a claim processing mechanism constructed and arranged, to receive a message representing claim information generated and transmitted by the claim submission mechanism9 to receive a message representing registration information generated and transmitted by the registration mechanism, and to generate and transmit a message representing payment authorization to a payment mechanism, the payment authorization being based at least in part on the registration information and the claim information.
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Abstract
A structured healthcare claims processing mechanism for use with funded accounts (e.g., healthcare reimbursement arrangements, healthcare savings accounts and flexible spending accounts) is disclosed, including a claims processing mechanism, a registration mechanism, a claim submission mechanism, a payment mechanism and an insurance submission mechanism.
57 Citations
33 Claims
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1. A healthcare claims management and payment transaction system comprising:
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a registration mechanism constructed and arranged to generate and transmit a message representing registration information to the system;
a claim submission mechanism constructed and arranged to generate and transmit a message representing claim information to the system; and
a claim processing mechanism constructed and arranged, to receive a message representing claim information generated and transmitted by the claim submission mechanism9 to receive a message representing registration information generated and transmitted by the registration mechanism, and to generate and transmit a message representing payment authorization to a payment mechanism, the payment authorization being based at least in part on the registration information and the claim information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of managing and paying healthcare claims, the method comprising:
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by a registration mechanism, generating a message representing registration information to the system;
by a claim submission mechanism, generating a message representing a healthcare claim to the system; and
by a claim processing mechanism, obtaining a message representing registration information generated by the registration mechanism, obtaining a message representing a healthcare claim generated by the claim submission mechanism, and generating and transmitting a message representing payment authorization to a payment mechanism, the payment authorization being based at least in part on the claim information and the registration information. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A memory for storing data for access by an application program being executed on a data processing system, comprising:
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a data structure stored in the memory, said data structure including information relating to one or more users issued by a registration server, claim information relating to services performed by or on behalf of any of said one or more users, said claim information being issued by a claim submission server, and payment authorization information issued by the data processing system of the present invention, said payment authorization being based at least on the registration information, the claim information and one or more templates and/or rule sets.
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18. A system for managing, processing and paying healthcare claims, the system comprising:
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a claims submission mechanism having means for issuing electronic signals representing claim information to the system;
a registration mechanism having means for issuing electronic signals representing registration information to the system; and
a claims processing mechanism comprising means for obtaining electronic signals representing claim information issued by the claims submission mechanism, means for obtaining electronic signals representing registration information issued by the registration mechanism, and means for issuing electronic signals representing payment authorization, the payment authorization being based at least on the claim information and the registration information. - View Dependent Claims (19, 20, 21)
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22. An apparatus for managing, processing and paying healthcare claims, the apparatus comprising:
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a mechanism constructed and adapted to receive a message representing registration information;
a mechanism constructed and adapted to receive a message representing healthcare claim information; and
a mechanism constructed and adapted to generate and transmit a message representing payment authorization. - View Dependent Claims (23, 24, 25)
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26. An apparatus for managing, processing and paying healthcare claims, the apparatus comprising:
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means for receiving electronic signals representing a healthcare claim;
means for receiving electronic signals representing registration information;
means for generating a message based on the healthcare claim and the registration information, the message specifying payment authorization for a sum certain; and
means for transmitting electronic signals representing the payment authorization message to a payment mechanism. - View Dependent Claims (27, 28, 29)
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30. Computer readable media tangibly embodying a program of instructions executable by a computer to perform a method of managing, processing and paying healthcare claims in an electronic transaction system, the method comprising, by a claims processing mechanism:
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receiving electronic signals representing claim information from a claims submission mechanism;
receiving electronic signals representing registration information from a registration mechanism;
creating a message based on claim information and registration information, the message specifying claim payment authorization; and
sending electronic signals representing the message to a payment mechanism requesting claim payment.
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31. At least one computer programmed to execute a process for managing, processing and paying claims, the process comprising:
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receiving electronic signals representing a claim;
receiving electronic signals representing registration information;
creating a payment authorization message specifying payment of the claim; and
causing electronic signals representing the payment authorization message to be sent to a payment mechanism. - View Dependent Claims (32, 33)
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Specification