Electronic system for healthcare insurance accounts receivable and patient financing

A system comprising:

• a platform comprising a processor coupled to a provider interface and a payer interface, wherein the platform is configured as a communication intermediary between electronic transactions of each of a plurality of independent systems including the provider, the payer, and a financial system, wherein the platform is hosted by an entity;
• an electronic form presented via the provider interface that accepts inputting of a claim on behalf of a claimant, wherein the claim is for a transaction between the provider and the claimant;
• wherein the platform accepts electronic assignment of the claim from the claimant, wherein the claim is assigned to the platform instead of being submitted to the at least one payer;
• wherein a scoring component running on the platform generates a score that is a unique measure of claim reimbursement for the provider, wherein the score is generated using data of a plurality of practice factors of the provider including at least two of a type of the service provider, a location of the service provider, patient population data of the service provider, insurance reimbursement data of the service provider, current insurance receivable data of the service provider, historical insurance receivable data of the service provider, and submitted claims data of the service provider;
• wherein the platform discounts the assigned claim, wherein an amount of the discount applied to the claim is based on the score, generates a payment to the provider in an amount of the discounted claim, and submits the claim to the payer, wherein the payer is independent of the entity;
• wherein the platform generates transaction data comprising data of the assignment and the payment, and provides the transaction data to the provider;
• wherein the platform tracks adjudication of the claim by the payer and provides status data of the adjudication;
• and
• wherein a reconciliation component running on the platform reconciles the payment to the provider and updates the transaction data using final data of the adjudication, wherein, when the adjudication includes a third party payment received at the financial system from the payer, a factoring component running on the platform generates a factoring fee using a factoring rate and elapsed time between the submitting of the claim and receipt of the third party payment, wherein the reconciling includes applying the factoring fee to the payment to determine an amount owed to the provider, wherein when the claim is at least one of denied and partially paid the reconciling comprises reconciling a difference between the payment to the provider and a payment amount of the payer with at least one subsequent claim of the provider.