Intelligent router for medical payments

Abstract

One or more servers () are configured to periodically format () and send () payments () to a payee in an order of preference () and a specified payment method until accepted (). The payments () include a consolidated financial instrument () and at least one explanation of explanation of benefit () associated with the consolidated financial instrument. The consolidated financial instrument () transfers accumulated monies without co-mingling funds in compliance with ERISA regulations. The at least one associated explanation of benefit () includes a patient identification, a payer identification, a service provider identification, a date of service, a service identification, a patient obligation, and an amount paid. Acceptance of the payment to each payee is recorded () in a data store ().