Predictive data evaluation and front-end user interface interaction processing

Abstract

Systems and methods of using data to provide functionality and/or information are disclosed, in the context of predictive data evaluation and front-end user interface interaction processing. In an example, healthcare information system data may be extracted or accessed for use in a front-end user interface (e.g., accessed before any services have been provided). Electronic operations for transformation and processing of healthcare transaction data may include performing on-demand scoring to enable appropriate front-end payment collection strategies for patient access to a healthcare transaction (e.g., scheduling, registration, pre-authorization) with a healthcare provider. An interface may be provided that can guide or direct use of the front-end payment collection using propensity-to-pay (PTP) scoring, for example by personnel of the provider. The interface may enable receiving an estimate of future visit charges and present one or more PTP scores based on a balance or estimate for a guarantor.

What is claimed is: 
     
         1 . A computer system, comprising:
 memory circuitry;   processor circuitry; and   a storage medium including instructions that, when executed by the processor circuitry and memory circuitry of the computer system, implement a plurality of engines in the computer system, the plurality of engines comprising:   a data extraction engine, adapted to generate data for a predictive data evaluation, with operations to:   receive a transaction estimate data record from an estimation system, wherein the transaction estimate data record includes a data value that represents an estimate for a prospective transaction between a human subject and a service provider;   receive an evaluation data record from a data analysis system, wherein the evaluation data record includes a plurality of characteristics uniquely generated for the human subject related to the prospective transaction; and   generate a prospective transaction data record for the prospective transaction, wherein the prospective transaction data record is established at a time of generation of a user-interactive graphical user interface, and wherein the prospective transaction data record is based on the plurality of characteristics and requirements of the service provider;   an application engine, adapted to generate the user-interactive graphical user interface and process interaction with the user-interactive graphical user interface, with operations to:   output information for the prospective transaction for the human subject, using the transaction estimate data record;   output multiple selection options that are uniquely generated to the human subject, using the prospective transaction data record;   receive an indication of a selected transaction option from among the multiple selection options, wherein the selected transaction option is associated with defined characteristics of a second prospective transaction;   update the graphical user interface to output a confirmation of the selected transaction option and details of the second prospective transaction, in response to receipt of the indication of the selected transaction option; and   transmitting an indication of the selected transaction option to a processing system, to enable subsequent performance of the second prospective transaction.   
     
     
         2 . The computer system of  claim 1 ,
 wherein the multiple selection options that are uniquely generated to the human subject are determined based on rules for the second prospective transaction that are defined by the service provider,   wherein the user of the graphical user interface is a human agent associated with the service provider, and   wherein selection of the selected transaction option in the user-interactive graphical user interface is provided from the human agent.   
     
     
         3 . The computer system of  claim 2 , the plurality of engines further comprising:
 a transaction engine, adapted to, upon receipt of an indication that the prospective transaction with the service provider is performed, perform data processing operations and transmit electronic communications to implement the second prospective transaction.   
     
     
         4 . A method of predictive data evaluation used to generate a user-interactive graphical user interface, comprising electronic operations implemented with processor circuitry of a computing system, and the electronic operations comprising:
 receiving a healthcare transaction estimate data record from a healthcare estimation system, wherein the healthcare transaction estimate data record includes a data value that represents an estimate of expected charges of a prospective healthcare transaction for a consumer;   receiving a consumer evaluation data record from a consumer data analysis system, wherein the consumer evaluation data record includes a data value that represents an evaluative score for the consumer and data values that represent a plurality of characteristics determined for the consumer;   generating a proposed payment transaction data record for the estimate of the expected charges of the prospective healthcare transaction using the healthcare transaction estimate data record and the consumer evaluation data record, wherein the proposed payment transaction data record is established at a time of generation of the graphical user interface, and wherein the proposed payment transaction data record is based on: the evaluative score, the plurality of characteristics determined for the consumer, and a plurality of requirements of a creditor of the expected charges for the prospective healthcare transaction;   generating the graphical user interface based on the proposed payment transaction data record, wherein the graphical user interface:
 outputs information for the prospective healthcare transaction and a representation of the estimate of the expected charges, using the healthcare transaction estimate data record; 
 outputs multiple selection options that are uniquely generated to the consumer, wherein the multiple selection options are generated using the proposed payment transaction data record; and 
 receives an indication of a user selection of a selected payment transaction option from among the multiple selection options, wherein the user selection is associated with characteristics of a prospective financial transaction; 
 wherein the graphical user interface is updated to output an indication of confirmation of the selected payment transaction option and details of the prospective financial transaction; and 
   transmitting an indication of the selected payment transaction option to a processing system, in response to receipt of the indication of the user selection of the selected payment transaction option.   
     
     
         5 . The method of  claim 4 ,
 wherein the user of the graphical user interface is a healthcare support staff member, wherein the graphical user interface is output to the healthcare support staff member, and   wherein the user selection of the selected payment transaction option is received from the healthcare support staff member.   
     
     
         6 . The method of  claim 5 , the electronic operations further comprising:
 generating a second graphical user interface, wherein the second graphical user interface is output to the consumer, and wherein the second graphical user interface:
 outputs a representation of the estimate of the expected charges, using the healthcare transaction estimate data record; 
 outputs an indication of the user selection of the selected option; and 
 receives a selection of a confirmation for a payment arrangement of the selected payment transaction option in the second graphical user interface; 
   in response to receipt of the selection of the confirmation for the payment arrangement, updating the second graphical user interface to output a confirmation; and   transmitting an indication to a payment processing system to proceed with the prospective financial transaction.   
     
     
         7 . The method of  claim 4 ,
 wherein the graphical user interface is provided to the consumer,   wherein the user selection of the selected payment transaction option is received from the consumer, and   wherein the multiple selection options that are uniquely generated to the consumer are based upon rules established by a prospective asset holder of the expected charges of the prospective healthcare transaction.   
     
     
         8 . The method of  claim 4 , the electronic operations further comprising:
 in response to a notification of a performance of the prospective healthcare transaction, activating a plurality of financing and payment transactions associated with the selected payment transaction option.   
     
     
         9 . The method of  claim 4 :
 wherein the estimate of the expected charges is generated by the healthcare estimation system based on: historical healthcare transactions, contractual agreements for charges of the prospective healthcare transaction, a health plan coverage of a patient for the prospective healthcare transaction, a deductible under the health plan coverage, and progress towards the deductible under the health plan coverage;   wherein the data values that represent the plurality of characteristics determined for the consumer include data values that represent one or more of: identifying information, insurance information, demographic information, credit information, or healthcare-related information, of the consumer;   wherein the data value that represents the evaluative score for the consumer includes a propensity to pay score or an ability to pay score;   wherein the propensity to pay score is generated based on the estimate of the expected charges and one or more of: past payment history of the consumer for the historical healthcare transactions, past bad debts of the consumer for the historical healthcare transactions, an outstanding balance of the historical healthcare transactions, or credit risk of the consumer; and   wherein the ability to pay score is generated based on one of more of: the historical healthcare transactions, demographic data of the consumer, or debt and income characteristics of the consumer.   
     
     
         10 . The method of  claim 4 ,
 wherein the selected payment transaction option is used to establish a financing or payment arrangement for the prospective healthcare transaction,   wherein the financing or payment arrangement includes one or more of: a discount for payment in full prior to the prospective healthcare transaction, a prompt pay discount for payment within a time period after the prospective healthcare transaction, a discount for establishing a financing plan prior to the prospective healthcare transaction, a discount for need-based financial assistance, down payment requirements for a financing plan, a duration term for a financing plan, an interest rate for a financing plan, or a minimum amount payment for a financing plan.   
     
     
         11 . The method of  claim 4 , wherein the selected payment transaction option is indicated to provide payment to multiple healthcare providers for a plurality of healthcare activities related to the prospective healthcare transaction. 
     
     
         12 . The method of  claim 4 , wherein the evaluative score is based at least in part on a propensity to pay (PTP) score, with the electronic operations further comprising:
 generating the PTP score for the consumer using the consumer data analysis system, wherein data representing the PTP score is established at the time of generation of the graphical user interface.   
     
     
         13 . The method of  claim 4 , wherein the consumer is: a patient of the prospective healthcare transaction, or a guarantor of the patient. 
     
     
         14 . The method of  claim 4 , wherein in response to performance of the prospective healthcare transaction, a payment received for the estimate of expected charges of the prospective financial transaction is reconciled to actual charges for the performance of the prospective healthcare transaction. 
     
     
         15 . The method of  claim 14 , the electronic operations performed in response to performance of the prospective healthcare transaction further comprising:
 generating a healthcare transaction reconciliation data record, wherein the healthcare transaction reconciliation data record indicates a remaining balance after applying a payment or financing arrangement for the prospective financial transaction;   generating an updated payment arrangement data record; and   generating a second graphical user interface, wherein the second graphical user interface:
 outputs a representation of the payment received with the prospective financial transaction; 
 outputs a representation of remaining charges for the performance of the prospective healthcare transaction, using the healthcare transaction reconciliation data record; 
 outputs additional selection options that are uniquely generated to the consumer for payment of the remaining balance, using the proposed payment transaction data record; and 
 receives an indication of a user selection of a selected reconciliation payment transaction option from among the additional selection options; and 
   transmitting, to the processing system, an indication of the selected reconciliation payment transaction option, in response to receipt of the indication of the user selection of the selected reconciliation payment transaction option.   
     
     
         16 . The method of  claim 14 , the electronic operations performed in response to performance of the prospective healthcare transaction further comprising:
 generating a healthcare transaction reconciliation data record, wherein the healthcare transaction reconciliation data record indicates reduced charges for the performance of the prospective healthcare transaction as compared with the estimate of the expected charges for the prospective financial transaction;   generating an updated payment arrangement data record with an adjustment to a payment or financing arrangement to provide payment of the reduced charges, wherein the adjustment to the payment or financing plan includes a change to an amount, payment terms, or financing terms, based on the reduced charges; and   transmitting, to the processing system, an indication of the adjustment to the payment or financing arrangement to provide payment of the reduced charge.   
     
     
         17 . A non-transitory computer-readable storage medium having stored thereon instructions that, when executed by a computing system, cause the computing system to provide a user-interactive graphical user interface with operations that:
 receive a healthcare transaction estimate data record from a healthcare estimation system, wherein the healthcare transaction estimate data record includes a data value that represents an estimate of expected charges of a prospective healthcare transaction for a consumer;   receive a consumer evaluation data record from a consumer data analysis system, wherein the consumer evaluation data record includes a data value that represents an evaluative score for the consumer and data values that represent a plurality of characteristics determined for the consumer;   generate a proposed payment transaction data record for the estimate of the expected charges of the prospective healthcare transaction using the healthcare transaction estimate data record and the consumer evaluation data record, wherein the proposed payment transaction data record is established at a time of generation of the graphical user interface, and wherein the proposed payment transaction data record is based on the evaluative score, the plurality of characteristics determined for the consumer, and a plurality of requirements of a creditor of the expected charges for the prospective healthcare transaction;   generate the graphical user interface based on the proposed payment transaction data record, wherein the graphical user interface:
 outputs information for the prospective healthcare transaction and a representation of the estimate of the expected charges, using the healthcare transaction estimate data record; 
 outputs multiple selection options that are uniquely generated to the consumer, wherein the multiple selection options are generated using the proposed payment transaction data record; and 
 receives an indication of a user selection of a selected payment transaction option from among the multiple selection options, wherein the selected payment transaction option is associated with characteristics of a prospective financial transaction; 
 wherein the graphical user interface is updated to output an indication of confirmation of the selected payment transaction option and details of the prospective financial transaction; and 
   transmit an indication of the selected payment transaction option to a processing system, in response to receipt of the indication of the user selection of the selected payment transaction option.   
     
     
         18 . The computer-readable storage medium of  claim 17 ,
 wherein the user of the graphical user interface is a healthcare support staff member,   wherein the graphical user interface is output to the healthcare support staff member,   wherein the user selection of the selected payment transaction option is received from the healthcare support staff member, and   wherein the instructions further perform electronic operations that:
 generate a second graphical user interface, wherein the second graphical user interface is output to the consumer, and wherein the second graphical user interface:
 outputs a representation of the estimate of the expected charges, using the healthcare transaction estimate data record; 
 outputs an indication of the user selection of the selected option; and 
 receives a selection of a confirmation for a payment arrangement of the selected payment transaction option in the second graphical user interface; 
 
 in response to receipt of the selection of the confirmation for the payment arrangement, update the second graphical user interface to output a confirmation; and 
 transmit an indication to a payment processing system to proceed with the prospective financial transaction. 
   
     
     
         19 . The computer-readable storage medium of  claim 18 ,
 wherein the user of the graphical user interface is the consumer,   wherein the user selection of the selected payment transaction option is received from the consumer, and   wherein the multiple selection options that are uniquely generated to the consumer are based upon rules established by a prospective asset holder of the expected charges of the prospective healthcare transaction.   
     
     
         20 . The computer-readable storage medium of  claim 19 :
 wherein the estimate of the expected charges is generated by the healthcare estimation system based on: historical healthcare transactions, contractual agreements for charges of the prospective healthcare transaction, a health plan coverage of a patient for the prospective healthcare transaction, a deductible under the health plan coverage, and progress towards the deductible under the health plan coverage;   wherein the data values that represent the plurality of characteristics determined for the consumer include data values that represent one or more of: identifying information, insurance information, demographic information, credit information, or healthcare-related information, of the consumer; and   wherein the data value that represents the evaluative score for the consumer includes a propensity to pay score or an ability to pay score.   
     
     
         21 . The computer-readable storage medium of  claim 17 ,
 wherein the selected payment transaction option is used to establish a financing or payment arrangement for the prospective healthcare transaction,   wherein the financing or payment arrangement includes one or more of: a discount for payment in full prior to the prospective healthcare transaction, a prompt pay discount for payment within a time period after the prospective healthcare transaction, a discount for establishing a financing plan prior to the prospective healthcare transaction, a discount for need-based financial assistance, down payment requirements for a financing plan, a duration term for a financing plan, an interest rate for a financing plan, or a minimum amount payment for a financing plan.