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1. (WO2001004821) METHOD AND APPARATUS FOR SETTLING CLAIMS BETWEEN HEALTH CARE PROVIDERS AND THIRD PARTY PAYERS USING A SMART CARD ID CARD

Pub. No.:    WO/2001/004821    International Application No.:    PCT/US2000/019053
Publication Date: Fri Jan 19 00:59:59 CET 2001 International Filing Date: Fri Jul 14 01:59:59 CEST 2000
IPC: G06Q 20/00
G06Q 40/00
G07F 7/10
Applicants: HOGAN, Brian, F.
Inventors: HOGAN, Brian, F.
Title: METHOD AND APPARATUS FOR SETTLING CLAIMS BETWEEN HEALTH CARE PROVIDERS AND THIRD PARTY PAYERS USING A SMART CARD ID CARD
Abstract:
A method and apparatus for settling claims and effectuating payment of services for the benefit of a patient (10) that is performed by a doctor and payment is facilitated by an insurance company (30) where the patient (10) requests services from a doctor, and the patient (10) has an insurance smart card which contains information regarding the patient's insurance relationship with the insurance company (30) and the patient's relationship with the doctor, and provides a retail line of credit, and where the doctor communicates information from the patient's smart card to the insurance company (30) which then confirms eligibility of the patient (10) in a real-time mode and provides a predetermined fee schedule between the insurance company (30) and the doctor for the services to be performed and a claim is submitted with the fee schedule to the insurance company (30) and the claim is adjudicated in real-time mode and the claim is settled by authorizing transfer of funds to the doctor and any additional noncovered fees can be charged to the patient's smart card retail credit line.