초록 ▼

A computerized system that will allow healthcare providers to access the commercial paper market by "selling" their patient claims to asset backed commercial paper conduits. The system generates the statistical information on the historic collection experience of the provider's claims required by bo

A computerized system that will allow healthcare providers to access the commercial paper market by "selling" their patient claims to asset backed commercial paper conduits. The system generates the statistical information on the historic collection experience of the provider's claims required by both the rating agencies and the sponsors of the conduits. This statistical information has two pieces: the net collectible value matrix showing the percentage of the claim actually paid by individual payers; and a collection histogram showing the timing of the payers payments from the date of initial billing. The system also generates the accounting detail necessary for controlling and auditing the provider's participation in the commercial paper conduit program. The system tracks "periodic pools" of claims so as to be able to reconcile advances, collections, interest expense, third party fees and cash settlements between conduits and providers. This statistical information has two pieces: the net collectible value matrix showing both the percentage of the claim actually paid by individual payors and the standard deviation of this percentage; and a collection histogram showing the timing of the payors' payments from the date of initial billing.

대표청구항 ▼

[ What is claimed is:] [1.] A system for processing electronic accounts receivable records, each specifying an account receivable recorded in one or more computer systems for a seller of the account receivable, each accounts receivable record including (i) a date field specifying a date for the acco

[ What is claimed is:] [1.] A system for processing electronic accounts receivable records, each specifying an account receivable recorded in one or more computer systems for a seller of the account receivable, each accounts receivable record including (i) a date field specifying a date for the account receivable, (ii) a financial data portion specifying an amount billed to be paid by a payor, and (iii) a goods or services data portion specifying information about the goods or services provided for the amount billed, comprising:means for downloading the accounts receivable records from the seller accounting system and creating an electronic financial record corresponding to each of at least some of the accounts receivable records downloaded from the seller accounting system, the financial records recording a financial data subset of all of the data recorded in a downloaded accounts receivable record, the financial data subset corresponding substantially to financial aspects of the downloaded accounts receivable records, and means for storing the financial records in a mass storage device located at a location of the seller;means for creating an electronic goods or services record corresponding to each of at least some of the accounts receivable records downloaded from the seller computer systems, the electronic goods or services records recording a subset of all of the data recorded in the downloaded accounts receivable records, the data subset corresponding substantially to goods or services aspects of the downloaded accounts receivables records, and means for storing the goods or services provided record in a mass storage device located at a seller location; andmeans for searching the financial records and identifying records that have a date specified in the date field of the record within a predetermined period to identify a pool of accounts receivable records, with the records specifying a corresponding periodic pool of accounts receivable.