Abstract: Methods and systems for acquiring a pre-approval from a responsible party and receiving funds from a financial account related to the pre-approval in the healthcare field are described herein. A method for collecting payment from an individual for services rendered by a provider is disclosed. The method includes verifying an individual's eligibility for benefits, estimating an individual responsibility amount, acquiring authority from the individual for up to the individual responsibility amount on at least one financial account held by the individual, submitting one or more claims to one or more payer entities requesting compensation for the services rendered by the provider, deducting an amount from the at least one financial account held by the individual, and transferring the deducted amount to the provider.

Abstract: A magnetic swipe card for storing and transmitting data is described herein. The magnetic swipe card includes a magnetic stripe having at least two tracks holding encoded data. A first track at least includes data for at least one first party payment source. A second track at least includes data for healthcare eligibility information for at least one card holder, and or at least one unique identifier or a format identifier referencing healthcare eligibility information.

Abstract: A memory structure has a wordline coupled to at least one memory cell and a wordline driver coupled to the wordline. Further, the memory structure has a wordline chopper coupled to the wordline and configured to discharge the wordline, wherein the memory cell is coupled to the wordline between the wordline driver and the wordline chopper.

Abstract: A direct connectivity system provides automated healthcare administrative transaction submission, including claim submission, eligibility verification and claim status, from healthcare service providers directly to payers. The direct connectivity system bypasses transaction processing intermediaries such as clearinghouses by directly connecting providers to payers in a many to many manner. Existing single payer web portals are supplanted by a many to many network that has a common interface across multiple payers. The direct connectivity system may receive responses directly from payers and may prepare or process the responses for a practice management program so that the service provider receives rapid feedback on the administrative transaction submission. The direct connectivity system may automatically analyze transaction file attributes to determine one or more of many payers to which to send a transaction file, from one of many providers.