Abstract: Reductions to bandwidth storage resource use needed to safely and securely provide longitudinal data related to individuals to authorized parties from disparate sources are realized by employing the present disclosure. As the data related to the individual are held by various originating and aggregating databases in a variety of formats, with each database having different sharing policies, and the user similarly specifying different access permissions to personal data, a hub that manages access in a hybrid distributed/aggregated mode enables requestors to review data at a single point of access in accordance with specified access permissions from the databases or the individual. Reduced weight records, using permitted data fields, are aggregated and links to the records are provided according to the determined permission levels.

Abstract: Technical improvements to systems used to provide counseling regarding medical procedures and the payment therefor are discussed herein. A reduction in the amount of communications needed to provide financing for patients, when appropriate, is provided, which improves the efficiency of the systems used to process patients. Rather than transmitting sensitive data to multiple lenders to seek loan information, an internal risk assessment is developed, with the patient's consent, and used to provide pre-qualification during a cost-estimation phase of patient processing. Patients are thereby provided with greater flexibility in paying for healthcare services, which improves their access to healthcare and overall health, while providers are able to reduce regulatory and accounting burdens associated with patient delinquency.

Abstract: Reductions to bandwidth storage resource use needed to safely and securely provide longitudinal data related to individuals to authorized parties from disparate sources are realized by employing the present disclosure. As the data related to the individual are held by various originating and aggregating databases in a variety of formats, with each database having different sharing policies, and the user similarly specifying different access permissions to personal data, a hub that manages access in a hybrid distributed/aggregated mode enables requestors to review data at a single point of access in accordance with specified access permissions from the databases or the individual. Reduced weight records, using permitted data fields, are aggregated and links to the records are provided according to the determined permission levels.

Abstract: Technical improvements to systems used to provide counseling regarding medical procedures and the payment therefor are discussed herein. A reduction in the amount of communications needed to provide financing for patients, when appropriate, is provided, which improves the efficiency of the systems used to process patients. Rather than transmitting sensitive data to multiple lenders to seek loan information, an internal risk assessment is developed, with the patient's consent, and used to provide pre-qualification during a cost-estimation phase of patient processing. Patients are thereby provided with greater flexibility in paying for healthcare services, which improves their access to healthcare and overall health, while providers are able to reduce regulatory and accounting burdens associated with patient delinquency.