Calculation of patient minimum payment due based on propensity to default score .

A computer implemented method, implemented on an information security computing machine, for securely calculating a minimum payment amount due for a patient at a medical facility, the method comprising the steps of:

• automatically and electronically, running application program interface calls, by the information security machine, to an electronic health records system to obtain each balance due posting date for-a prior medical claims of the patient and each full payment date for the prior medical claims of the patient;
• obtaining a default number of days allowed to pay off medical claims set by the medical facility and providing the default number of days allowed to pay off medical claims to the information security machine;
• automatically and electronically calculating, by the information security machine, an actual number of days to full payment for each of the prior medical claims of the patient, wherein the actual number of days to full payment=(the full payment date for the prior medical claim)−(the balance due posting date for the prior medical claim);
• automatically and electronically calculating, by the information security machine, a charge score for each of the prior medical claims for the patient, wherein the charge score=(the actual number of days to full payment for each of the prior medical claims)/(the default number of days allowed to pay off medical claims);
• automatically and electronically calculating, by the information security machine, a default propensity score for the patient, wherein the default propensity score=(the sum the actual number of days to full payment for each of the prior medical claims)/(the sum of the sum of the charge scores for each of prior medical claims;
• automatically and electronically calculating, by the information security machine, a minimum payment amount due for the patient based on the calculated default payment propensity score for the patient;
• and
• automatically and electronically providing by the information security machine, an electronic notification of the minimum payment amount due for the patient to the user.