Patent ID: 8781850

Claim:
A non-transitory computer readable medium comprising program code that when executed by a computer processor within a system, conducts the operations of authenticating and enhancing an insurance eligibility transaction, the code comprising: a first code segment executed by the computer processor, conducting the operation of receiving at the system an insurance eligibility transaction request having target personal information of a person associated with the insurance eligibility transaction request; a second code segment executed by the computer processor, conducting the operation of querying demographic data within a personal identity database, wherein the data is not derived from an insurance eligibility transaction; a third code segment executed by the computer processor, conducting the operation of, determining whether the target personal information matches the demographic data within the personal identity database; and a fourth code segment executed by the computer processor, conducting the operation of, transmitting from the system the insurance eligibility transaction request having the verified personal information therein to a payor to facilitate determination of whether the insurance eligibility request should be granted and to facilitate determination of eligibility terms under which the insurance eligibility request should be granted.