Experian Health, Inc.

Other

Matthew Baltzer

Daniel Erick Johnson

Michael Peter Ochs

Karly Marie Rowe

Heather Renee Grover

Elazar Katz

Reductions to bandwidth storage resource use needed to safely and securely provide longitudinal data related to individuals to authorized parties from disparate sources are realized by employing the present disclosure. As the data related to the individual are held by various originating and aggregating databases in a variety of formats, with each database having different sharing policies, and the user similarly specifying different access permissions to personal data, a hub that manages access in a hybrid distributed/aggregated mode enables requestors to review data at a single point of access in accordance with specified access permissions from the databases or the individual. Reduced weight records, using permitted data fields, are aggregated and links to the records are provided according to the determined permission levels.

Secure low-weight data hub

Technical improvements to systems used to provide counseling regarding medical procedures and the payment therefor are discussed herein. A reduction in the amount of communications needed to provide financing for patients, when appropriate, is provided, which improves the efficiency of the systems used to process patients. Rather than transmitting sensitive data to multiple lenders to seek loan information, an internal risk assessment is developed, with the patient's consent, and used to provide pre-qualification during a cost-estimation phase of patient processing. Patients are thereby provided with greater flexibility in paying for healthcare services, which improves their access to healthcare and overall health, while providers are able to reduce regulatory and accounting burdens associated with patient delinquency.

Integrated services qualification

Biometric markers are seen as a secure and convenient way to control an individual's access to systems. The data that comprise these access controls, however, can be spoofed by nefarious third parties. Therefore, systems and methods are provided that track metadata related to the usage of biometric markers as access control devices to improve the security of systems using biometric markers for access control and to improve the speed and efficiency for systems when re-granting access for an individual in the event that access was revoked or suspended. A bureau collects metadata related to the authentication of individuals via biometric markers and the activities of the individual and the systems accessed. These metadata are used by the bureau to alert affected parties of potential misuse of biometric data and to reduce the processing requirements, storage requirements, and number of communications to on-board or re-authenticate an individual.

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Costa Mesa, CA, United States of America

Matthew Baltzer