Method and system using combined healthcare-payment device and web portal for receiving patient medical information

An apparatus comprising:

• a host computer including a processor in electronic communication with a computer readable storage medium, the computer readable medium having code stored thereon to direct the processor to:
• receive a medical service eligibility inquiry message from a first healthcare provider via a payment processing network,
• the medical service eligibility inquiry message indicating a medical record information access request
• the payment processing network being configured to communicate, and process transactions using financial transaction credit card account originated communication message protocols having a financial interchange specification:
• retrieve a privacy level associated with a patient's medical record via a host site, wherein the privacy level is designated to a first healthcare provider by a patient via a user interface of the host site, and the user interface of the host site is presented to the patient via a patient terminal, and
• wherein the privacy level provides the first healthcare provider with the ability to access the patient's medical record that is different from a second healthcare provider,
• grant the first healthcare provider access to the patient's medical record stored at a server and accessible through the host site, based on the received privacy level,
• obtain the medical record information access request related to the first healthcare provider from the received medical service eligibility inquiry message, wherein the medical record information access eligibility inquiry message is sent upon triggering a portable consumer device at a financial payment acceptance terminal at the first healthcare provider who has access to the patient's medical record,
• determine that the privacy level designated to the first healthcare provider grants the first healthcare provider access to the requested medical record information, and
• send information pertaining to the patient's medical record to the first healthcare provider who has access to the patient's medical record through the payment processing network, in response to the medical record information access request from the medical service eligibility inquiry message sent via an acquirer through the payment processing network,
• wherein the acquirer is a financial institution with an account associated with the first healthcare provider, wherein the triggering of the portable consumer device to the first healthcare provider causes the medical service eligibility inquiry message to be sent,
• wherein the information includes at least one of a medical condition, a medication history, a current medication, a treatment, a referral, a follow-up, or a medication.

A non-transitory computer readable medium storing computer-executable instructions executable by a processor to:

• receive a medical service eligibility inquiry message from a first healthcare provider via a payment processing network,
• the medical service eligibility inquiry message indicating a medical record information access request
• the payment processing network being configured to communicate, and process transactions using financial transaction credit card account originated communication message protocols having a financial interchange specification;
• retrieve a privacy level associated with a patient's medical record via a host site, wherein the privacy level is designated to a first healthcare provider by a patient via a user interface of the host site, and the user interface of the host site is presented to the patient via a patient terminal, and
• wherein the privacy level provides the first healthcare provider with the ability to access the patient's medical record that is different from a second healthcare provider with access to the medical record;
• grant the first healthcare provider access to the patient's medical record stored at a server and accessible through the host site, based on the received privacy level;
• determine a medical record information access request related to the first healthcare provider from the received medical service eligibility inquiry message, wherein the medical record information access eligibility inquiry message is sent upon triggering a portable consumer device at a financial payment acceptance terminal at the first healthcare provider who has access to the patient's medical record;
• determine that the privacy level designated to the first healthcare provider grants the first healthcare provider access to the requested medical record information;
• and
• send information pertaining to the patient's medical record to the first healthcare provider who has access to the patient's medical record through the payment processing network, in response to the medical record information access request from the medical service eligibility inquiry message sent via an acquirer through the payment processing network,
• wherein the acquirer is a financial institution with an account associated with the first healthcare provider, wherein the triggering of the portable consumer device to the first healthcare provider causes the medical service eligibility inquiry message to be sent,
• wherein the information includes at least one of a medical condition, a medication history, a current medication, a treatment, a referral, a follow-up, or a medication.

A method for management of healthcare information, the method comprising the steps of:

• receiving a medical service eligibility inquiry message from a first healthcare provider via a payment processing network,
• the medical service eligibility inquiry message indicating a medical record information access request
• the payment processing network being configured to communicate, and process transactions using financial transaction credit card account originated communication message protocols having a financial interchange specification;
• retrieving a plurality of access authorization levels based on a type of healthcare information needed for a patient by a healthcare provider,
• wherein the plurality of access authorization levels are specified by a patient via a user interface of a host site and include a first access authorization level and a second access authorization level,
• wherein the first access authorization level and the second access authorization level are associated with different healthcare providers and grant different levels of access to the patient's medical record;
• wherein the medical record information access eligibility inquiry message is sent upon triggering a portable device at a financial payment acceptance terminal at the healthcare provider who has access to the patient's medical record,
• wherein the patient provides the healthcare provider with access to the healthcare information using the portable device and wherein the level of access is based on the first access authorization level, and
• wherein the healthcare information is stored at a server and accessible through the host site and includes medical information and co-payment information, wherein the medical information includes at least one of:
• a medical condition, a medication history, a current medication, a treatment, a referral, a follow-up, or a medication;
• obtaining the medical record information access request related to the healthcare provider from the received medical service eligibility inquiry message;
• determining that the privacy level designated to the healthcare provider grants the healthcare provider access to the requested medical record information;
• sending, by the payment processing network, the healthcare information to the healthcare provider after receiving the medical service eligibility inquiry message including the medical record information access request received from an acquirer that is a financial institution with an account associated with the healthcare provider;
• and
• transacting, by the payment processing network, a payment to the healthcare provider for a service rendered to the patient using the portable device.

An electronic medical record retrieval processor-implemented method, comprising:

• obtaining, via a payment processing network being configured to communicate, and process transactions using financial transaction credit card account originated communication message protocols having a financial interchange specification, a medical service eligibility inquiry message from a first healthcare provider,
• the medical service eligibility inquiry message being generated upon an instantiation of a consumer payment device at a financial payment acceptance terminal located at the first healthcare provider,
• the medical service eligibility inquiry message indicating a medical record information access request;
• obtaining patient identifying information from the medical service eligibility inquiry message;
• retrieving medical record privacy settings associated with a patient's medical record,
• the medical record privacy settings including a first privacy level designated to the first healthcare provider and a second privacy level designated to a second healthcare provider,
• the medical record privacy settings being provided by a patient via a user interface of a host site, and the user interface of the host site is presented to the patient via a patient terminal;
• determining the first privacy level grants the first healthcare provider access to the patient's medical record stored at a server and accessible through the user interface of the host site,
• wherein the second privacy level indicates access restriction for the second healthcare provider to access the patient's medical record;
• sending, the requested medical record information from the patient's medical record and co-payment information, to the first healthcare provider, in response to the medical record information access request from the received medical service eligibility inquiry message,
• wherein the requested medical record information and the co-payment information are transmitted through the payment processing network,
• wherein the medical information includes at least one of a medical condition, a medication history, a current medication, a treatment, a referral, a follow-up, or a medication.