Healthcare transaction data transformation and processing

A non-transitory computer-readable storage medium having stored thereon instructions that, when executed by a computing system, cause the computing system to perform operations that:

• obtain a first set of healthcare transaction data created from a first healthcare transaction, the first set of healthcare transaction data provided from an originating electronic healthcare billing system, wherein the first set of health transaction data is associated with a first encounter;
• obtain a second set of healthcare transaction data created from a second healthcare transaction, the second set of healthcare transaction data provided from the originating electronic healthcare billing system, wherein the second set of health transaction data is associated with a second encounter;
• create an aggregate set of healthcare transaction data records from a combination of the first set of healthcare transaction data and the second set of healthcare transaction data, wherein the aggregate set of healthcare transaction data is associated with a user;
• create a payment due data record from the aggregate set of healthcare transaction data records, wherein the payment due data record is established at a time of generation of a graphical user interface, and wherein the payment due data record indicates an aggregated balance due for open charges of the first healthcare transaction and the second healthcare transaction that are tracked by the first electronic healthcare billing system and the second electronic healthcare billing system;
• creating a repayment decisioning data record for the user, wherein the repayment decisioning data record is established at the time of generation of the graphical user interface, and wherein the repayment decisioning data record is established from:
• evaluation of a set of repayment data records associated with the aggregate set of healthcare transaction data records to generate an aggregate rule set for repayment of the aggregated balance due, wherein the aggregate rule set includes a repayment rule of a receiving electronic healthcare billing system;
• evaluation of a set of user characteristic data records to determine current repayment characteristics of the user, wherein the current repayment characteristics are uniquely evaluated for the user for repayment of the aggregated balance due;
• and
• generation of a minimum amount due and repayment characteristics for a repayment of the aggregated balance due, wherein the minimum amount due and the repayment characteristics are constrained to the repayment rule of the first electronic healthcare billing system indicated in the repayment data records and the current repayment characteristics of the user indicated in the user characteristic data records;
• generate the graphical user interface, wherein the graphical user interface:
• outputs the aggregated balance due and aggregated healthcare transaction information including data from the aggregate set of healthcare transaction data records;
• and
• outputs multiple available payment options for at least a portion of the aggregated balance due, wherein the multiple available payment options indicate reduced payments that are customized to the minimum amount due, the repayment characteristics for the repayment of the aggregated balance due, and the current repayment characteristics of the user;
• process an indication of a user-configured payment option from the multiple available payment options, in response to input by the user in the graphical user interface;
• verify that the user-configured payment option complies with the repayment rule associated with the first electronic healthcare billing system for the repayment of the aggregated balance due;
• and
• in response to successful verification of the user-configured payment option:
• generate an electronic transfer transaction to effectuate a transfer of financial obligations of the first healthcare transaction from the originating electronic healthcare billing system to the receiving electronic healthcare billing system, based on the indication of the user-configured payment option;
• and
• generate multiple electronic transactions to effectuate a repayment of at least a portion of the aggregated balance due for the second healthcare transaction to the originating electronic healthcare billing system and for the first healthcare transaction to the receiving electronic healthcare billing system, based on the indication of the user-configured payment option.

A computer system, comprising:

• memory circuitry;
• processor circuitry;
• and
• a storage medium including instructions that, when executed by the processor circuitry and memory circuitry of the computer system, implement a plurality of engines in the computer system, the plurality of engines comprising:
• a data extraction engine, adapted to:
• extract a first set of healthcare transaction data for a first healthcare transaction, the first set of healthcare transaction data extracted from a first electronic healthcare billing system;
• a
• extract a second set of healthcare transaction data for a second healthcare transaction, the second set of healthcare transaction data extracted from a second electronic healthcare billing system, wherein the second electronic healthcare billing system maintains data for a different set of healthcare transactions than the first electronic healthcare billing system;
• create an aggregate set of healthcare transaction data records in a data store, the aggregate set of healthcare transaction data records created from a combination of the first set of healthcare transaction data and the second set of healthcare transaction data, wherein the aggregate set of healthcare transaction data is associated with a user;
• an application engine, adapted to generate a graphical user interface, with operations to:
• create a payment due data record from the aggregate set of healthcare transaction data records, wherein the payment due data record is established at a time of generation of the graphical user interface, payment due data record indicates an aggregated balance due for open charges of the first healthcare transaction and the second healthcare transaction that are tracked by the first electronic healthcare billing system and the second electronic healthcare billing system;
• create a repayment decisioning data record for the user, wherein the repayment decisioning data record is established at the time of generation of the graphical user interface, and wherein the repayment decisioning data record is established from:
• evaluation of a set of repayment data records associated with the aggregate set of healthcare transaction data records to generate an aggregate rule set for repayment of the aggregated balance due, wherein the aggregate rule set includes a repayment rule of a third electronic healthcare billing system;
• evaluation of a set of user characteristic data records to determine current repayment characteristics of the user, wherein the current repayment characteristics are uniquely evaluated for the user for repayment of the aggregated balance due;
• and
• evaluation of a minimum amount due and repayment characteristics for a repayment of the aggregated balance due, wherein the minimum amount due and the repayment characteristics are constrained to the repayment rule of the third electronic healthcare billing system indicated in the repayment data records and the current repayment characteristics of the user indicated in the user characteristic data records;
• generate the graphical user interface, wherein the graphical user interface:
• outputs the aggregated balance due and aggregated healthcare transaction information including data from the aggregate set of healthcare transaction data records;
• and
• outputs multiple available payment options for at least a portion of the aggregated balance due, the multiple available payment options based on the aggregate rule set for repayment of the aggregated balance due;
• receive an indication of a user-configured payment option from the multiple available payment options, in response to input by the user in the graphical user interface;
• and
• verify that the user-configured payment option complies with the repayment rule associated with the third electronic healthcare billing system for the repayment of the aggregated balance due;
• and
• a transaction engine, adapted to:
• effectuate an electronic transaction that transfers financial obligations of the first healthcare transaction from the first electronic healthcare billing system to the third electronic healthcare billing system, based on the indication of the user-configured payment option;
• and
• effectuate multiple electronic transactions that perform repayment of at least a portion of the aggregated balance due for the second healthcare transaction to the second electronic healthcare billing system and for the first healthcare transaction to the third electronic healthcare billing system, based on the indication of the user-configured payment option.