Abstract: A computerized system and method for allocating payments for access to a computer system. In some embodiments, the method includes the step of storing a personal health record (“PHR”) of a patient including a plurality of records with medical information concerning the patient in a database. The database may include at least one record identifying a primary care physician (“PCP”) of the patient. A charge is established for patient access to the PHR and the patient is required to pay at least a portion of the charge. After receipt of the payment, the patient is provided with access to the PHR over a communication network. An allocation of the payment is determined between a plurality of entities including the PCP of the patient. At least a portion of the payment is allocated to the PCP, regardless of whether the PCP issued the PHR to the patient. This allocated allow is then paid to the PCP.