Patent ID: 8756073

Claim:
A system that facilitates online healthcare fund aggregation and payment of healthcare provider invoices, comprising: a processor that executes computer-executable instructions configured to aggregate funds from multiple healthcare-related accounts and payment to a healthcare provider; a memory that stores the computer-executable instructions; and a server comprising the processor and the memory and providing Internet access to the processor for fund aggregation and healthcare invoice payment; wherein the instructions comprise: receiving an electronic invoice from a healthcare provider; identifying the healthcare provider as one that will accept a predetermined percentage of an invoice amount within a predetermined time period, wherein the predetermined percentage is less than 100% of the invoice amount; accessing a member account comprising at least one of a health savings account (HSA) belonging to a member of a healthcare plan and a health reimbursement account (HRA) maintained by the employer of the member; withdrawing funds to pay the predetermined percentage of the invoice amount from the member account, if funds are available in the member account; accessing an employer account comprising at least one of an employer advance account (EAA), an employer bank account (EBA), and an employer line of credit maintained by an employer providing the healthcare plan to the member; withdrawing additional funds from the employer account to satisfy the predetermined percentage of the invoice amount when the member account does not have sufficient funds to satisfy the predetermined percentage of the invoice amount; tracking deposits into the member HSA, and, pursuant to a determination that funds subsequently are available in the HSA, automatically transferring funds from the HSA to the EAA until the additional funds withdrawn therefrom to satisfy the predetermined percentage of the invoice amount are repaid to the EAA; aggregating the funds from the member account and the additional funds from the employer account in an aggregating account (AA); transferring the aggregated funds from the aggregating account to a healthcare provider account to pay the predetermined percentage of the invoice amount within the predetermined time period; and offering the healthcare provider the predetermined percentage of the invoice amount pursuant to the healthcare provider accepting the predetermined percentage within the predetermined time period, wherein the predetermined percentage is a higher percentage when the healthcare provider accepts delayed payment from the aggregating account.