Abstract: This document presents devices, systems, and their methods of use for authenticating, evaluating, adjusting, and/or submitting a claim to a third-party obligator. The system may include a client computing device such as a cellular phone, having a downloadable application running thereon. The application running on the client computing device may be configured for generating an interface into which a characterization of treatment to be provided from a healthcare provider to a patient having a third party obligation agreement may be entered, where the obligation agreement includes terms defining coverage for treatments to be provided that will be covered by the agreement. As such, the system may be used to generate a claims submittal packet on behalf of the health care provider for reimbursement from the third party obligator for the treatments provided to the patient by the healthcare provider.