Patent ID: 7792688
Filing Date: 2010-09-07
Classification: G06Q,G16H

Abstract:
1. A method of processing payment of a healthcare claim, the method comprising: receiving from a healthcare payor at a network connection associated with a gateway an electronic payment instruction comprising payment information and remittance information, the electronic payment instruction instructing a payment of the healthcare claim on behalf of the healthcare payor to a healthcare provider, wherein the payment information comprises information regarding a total value of the healthcare claim, wherein the remittance information comprises information that provides a breakdown of one or more aspects of the healthcare claim; extracting the remittance information and the payment information from the electronic payment instruction at the gateway using a processor and a memory associated with the gateway; referencing a directory to add data to the remittance information or the payment information, wherein the directory is referenced by an engine, based upon recognition of a flag in the electronic payment instruction; transmitting over a network the remittance information from the gateway to a healthcare provider; and transmitting over the network the payment information from the gateway to a payment processing network that processes credit and debit transactions, wherein the payment processing network performs a transfer of funds from a first financial institution of the healthcare payor to a second financial institution of the healthcare provider in response to receipt of the payment information.