Abstract: Systems and methods are described that facilitate providing an online, automated payment architecture that aggregates funds from multiple health-related accounts (e.g., a member's HSA, an employer's advance account, etc.) and automatically transfers the aggregated funds to a healthcare provider's account to pay a bill or invoice. According to other aspects, healthcare fraud is prevented by storing electronic images of members and their dependents, wherein the images can be recalled by a healthcare provider at the point of service to verify that the member or dependent is actually a covered member. In other aspects, the described systems and methods permit members to negotiate reduced invoice payments in exchange for prompt delivery of payment funds.

Abstract: Systems and methods are described that facilitate providing an online, automated payment architecture that aggregates funds from multiple health-related accounts (e.g., a member's HSA, an employer's advance account, etc.) and automatically transfers the aggregated funds to a healthcare provider's account to pay a bill or invoice. According to other aspects, healthcare fraud is prevented by storing electronic images of members and their dependents, wherein the images can be recalled by a healthcare provider at the point of service to verify that the member or dependent is actually a covered member. In other aspects, the described systems and methods permit members to negotiate reduced invoice payments in exchange for prompt delivery of payment funds.

Abstract: Systems and methods are described that facilitate providing an online, automated payment architecture that aggregates funds from multiple health-related accounts (e.g., a member's HSA, an employer's advance account, etc.) and automatically transfers the aggregated funds to a healthcare provider's account to pay a bill or invoice. According to other aspects, healthcare fraud is prevented by storing electronic images of members and their dependents, wherein the images can be recalled by a healthcare provider at the point of service to verify that the member or dependent is actually a covered member. In other aspects, the described systems and methods permit members to negotiate reduced invoice payments in exchange for prompt delivery of payment funds.