Facilitating payments to health care providers
First Claim
Patent Images
1. A method comprising:
- receiving, using a computing device, information corresponding to a claim by a healthcare provider for services rendered to a patient;
placing a hold, using the computing device, on at least one account of the patient, wherein the hold is placed for a mutually agreed upon time period between a financial institution and an insurer;
receiving, using the computing device, a message from the insurer including information regarding a negotiated rate of the claim, an insurer portion of the claim, and an authorization code;
matching, using the computing device, the authorization code with a stored code associated with the claim;
releasing, using the computing device, the hold after receiving the message from the insurer;
tendering payment, using the computing device and based at least in part on the message from the insurer, of a patient portion of the claim;
determining, using the computing device, whether the claim requires manual processing or whether the claim can be processed automatically; and
awarding, using the computing device, incentive points to an incentive points account of the patient based at least in part on whether the claim requires manual processing.
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Accused Products
Abstract
A computer-implemented method to facilitate a purchase comprising: receiving, at a first host computer, a request from a provider for payment authorization for a charge to a purchaser; examining a database coupled to the first host computer for information concerning the purchaser; providing the information concerning the purchaser to a second host computer associated with the provider; receiving at the first host computer information from a third host computer concerning a negotiated amount of the charge to the purchaser; tendering payment of the negotiated charge to the provider; and withdrawing an amount no greater than the negotiated amount of the charge from an account of the purchaser.
199 Citations
20 Claims
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1. A method comprising:
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receiving, using a computing device, information corresponding to a claim by a healthcare provider for services rendered to a patient; placing a hold, using the computing device, on at least one account of the patient, wherein the hold is placed for a mutually agreed upon time period between a financial institution and an insurer; receiving, using the computing device, a message from the insurer including information regarding a negotiated rate of the claim, an insurer portion of the claim, and an authorization code; matching, using the computing device, the authorization code with a stored code associated with the claim; releasing, using the computing device, the hold after receiving the message from the insurer; tendering payment, using the computing device and based at least in part on the message from the insurer, of a patient portion of the claim; determining, using the computing device, whether the claim requires manual processing or whether the claim can be processed automatically; and awarding, using the computing device, incentive points to an incentive points account of the patient based at least in part on whether the claim requires manual processing. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture including a non-transitory computer-readable medium having instructions stored thereon, execution of which by a computing device causes the computing device to perform operations comprising:
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receiving information corresponding to a claim by a healthcare provider for services rendered to a patient; placing a hold on at least one account of the patient, wherein the hold is placed for a mutually agreed upon time period between a financial institution and an insurer; receiving a message from the insurer including information regarding a negotiated rate of the claim, an insurer portion of the claim, and an authorization code; matching the authorization code with a stored code associated with the claim; releasing the hold after receiving the message from the insurer; tendering payment, based at least in part on the message from the insurer, of a patient portion of the claim; determining whether the claim requires manual processing or whether the claim can be processed automatically; and awarding incentive points to an incentive points account of the patient based at least in part on whether the claim requires manual processing.
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20. An apparatus comprising:
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a processor; and a memory storing instructions, execution of which by the processor causes the processor to; receive information corresponding to a claim by a healthcare provider for services rendered to a patient; place a hold on at least one account of the patient, the hold being placed for a mutually agreed upon time period between a financial institution and an insurer; receive a message from the insurer including information regarding a negotiated rate of the claim, an insurer portion of the claim, and an authorization code; match the authorization code with a stored code associated with the claim; release the hold after receiving the message from the insurer; tender payment, based at least in part on the message from the insurer, of a patient portion of the claim; determine whether the claim requires manual processing or whether the claim can be processed automatically; and award incentive points to an incentive points account of the patient based at least in part on whether the claim requires manual processing.
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Specification