초록 ▼

A plurality of remote terminals (A) are each disposed in a physician\s office and are connected by telephone lines or other electronic data communication with a central processing system (B). Each terminal includes a data entry key board (10) and a magnetic tape reader (12) for entering physician, p

A plurality of remote terminals (A) are each disposed in a physician\s office and are connected by telephone lines or other electronic data communication with a central processing system (B). Each terminal includes a data entry key board (10) and a magnetic tape reader (12) for entering physician, patient, medical service, insurance, and other medically related data. The entered data is processed by a terminal processor (20) to incorporate previously stored data from an electronic data memory and to transfer and store entered medical transaction data to memory. The central processing system includes a physician file for storing participating physician identifications for verifying received physician information data, a patient memory for storing participating patient data for verifying received patient identification data, an insurance company file for storing appropriate format for medical claims for each of a plurality of participating insurance companies, and a claims file for storing a record of medical insurance claims processed. A central processing computer processes the received data and formats it into the approriate format for a medical claim to the identified insurance company. A printer (D) or an electronic data transfer (C) transfers the medical claims from the central processing system directly to the insurance companies. Electronic funds transfer facilities at the central processing station and at one or more banks or financial institutions are called upon to transfer funds directly to a physician\s account and to acknowledge receipt of funds from insurance company accounts.

대표청구항 ▼

A financial transaction system for physician\s offices, the system comprising: a plurality of physician office terminals for location in physicians\offices, each terminal including a data entry means for entering medical insurance claim electronic data including at least patient identification data,

A financial transaction system for physician\s offices, the system comprising: a plurality of physician office terminals for location in physicians\offices, each terminal including a data entry means for entering medical insurance claim electronic data including at least patient identification data, medical service identification data, abbreviated routine medical service codes indicative of regularly performed medical procedures, physician identification data, and insurance carrier identification data, a modem means for transmitting the entered electronic data on a communications medium, and a terminal data processing means for processing the electronic data entered on the data entry means and providing the processed data to the modem means for transmission, the terminal data processing means including: a transaction library means for storing a record of entered medical claim data; a routine medical procedure library means for storing medical procedure details for services which are regularly performed in a medical procedure memory means, the medical procedure memory means being accessed by the abbreviated routine service codes to retrieve a more complete medical service description electronic data for transmission by the modem means, whereby only the abbreviated routine code is entered to cause a complete service description to be transmitted; a physician library means for storing physician identification details which are retrieved for transmission by the modem means, whereby physician identification details need not be entered for each entered medical claim; and, a central processing means for receiving data transmitted by the terminal modem means and processing the data to generate medical insurance claims.