Methods, Systems, and Servers for Processing Applications for Compensation

1 . A computer-implemented method of processing an application for compensation, the method comprising:

receiving, by a processor, an application for compensation submitted to a processing hub through a point of sale and/or a system coupled therewith;

evaluating, by the processor, the application for compensation in response to the receiving based on data associated with a consumer and/or the application for compensation and/or the point of sale;

determining, by the processor, a dispositive outcome for the application for compensation, wherein the dispositive outcome comprises rewarding the consumer for exhibiting a desired behavior and/or penalizing the consumer for not exhibiting a desired behavior; and

implementing, by the processor, the dispositive outcome at the point of sale.

2 . The computer-implemented method of claim 1 further comprising identifying, by the processor, the application for compensation as being eligible for dispositive outcome-based processing.

3 . The computer-implemented method of claim 1 wherein the application for compensation is submitted to the processing hub by and/or on behalf of the consumer.

4 . The computer-implemented method of claim 1 wherein the processor is remote from the point of sale.

5 . The computer-implemented method of claim 1 wherein the application for compensation comprises an insurance claim.

6 . The computer-implemented method of claim 1 wherein the processing hub comprises an insurance claims processing system.

7 . The computer-implemented method of claim 1 wherein the processing hub is operated by an insurance company and/or an affiliate thereof.

8 . The computer-implemented method of claim 1 wherein the application for compensation comprises a health insurance claim.

9 . The computer-implemented method of claim 1 wherein the consumer has a disease state that is controllable through behavior modification.

10 . The computer-implemented method of claim 1 wherein the point of sale is located within a health care provider.

11 . The computer-implemented method of claim 1 further comprising receiving, by the processor, data provided by the consumer at the point of sale.

12 . The computer-implemented method of claim 1 further comprising accessing, by the processor, data from a database coupled to the processor.

13 . The computer-implemented method of claim 1 wherein the data are selected from the group consisting of internal information stored by and/or on behalf of the processing hub, external information provided at the point of sale, and a combination thereof.

14 . The computer-implemented method of claim 13 wherein the internal information comprises information stored in an eligibility file.

15 . The computer-implemented method of claim 13 wherein the external information is transmitted to the processor from the point of sale.

16 . The computer-implemented method of claim 13 wherein the external information comprises evidence that the consumer has exhibited the desired behavior.

17 . The computer-implemented method of claim 1 wherein the rewarding comprises reducing and/or waiving a co-pay.

18 . The computer-implemented method of claim 1 wherein the dispositive outcome comprises adjusting a value of awards points credited to the consumer.

19 . The computer-implemented method of claim 18 wherein the rewarding is deferred until the value of awards points meets or exceeds a threshold.

20 . The computer-implemented method of claim 1 wherein the dispositive outcome comprises tagging the application for compensation and/or the consumer according to a business rule.

21 . The computer-implemented method of claim 1 wherein the dispositive outcome further comprises communicating with the consumer.

22 . The computer-implemented method of claim 21 wherein the communicating comprises sending the consumer a communication selected from the group consisting of an electronic communication (text message, email, social media), a physical communication, and a combination thereof.

23 . A system for processing an application for compensation, the system comprising:

a processor;

a non-transitory memory coupled to the processor;

first logic stored in the memory and executable by the processor to cause the processor to receive an application for compensation submitted to a processing hub through a point of sale and/or a system coupled therewith;

second logic stored in the memory and executable by the processor to cause the processor to evaluate the application for compensation responsive to receipt thereof based on data associated with a consumer and/or the application for compensation and/or the point of sale;

third logic stored in the memory and executable by the processor to cause the processor to determine a dispositive outcome for the application for compensation, wherein the dispositive outcome comprises rewarding the consumer for exhibiting a desired behavior and/or penalizing the consumer for not exhibiting a desired behavior; and

fourth logic stored in the memory and executable by the processor to cause the processor to implement the dispositive outcome at the point of sale.

24 . A system for processing an application for compensation, the system comprising:

means for receiving an application for compensation submitted to a processing hub through a point of sale and/or a system coupled therewith;

means for evaluating the application for compensation responsive to receipt thereof based on data associated with a consumer and/or the application for compensation and/or the point of sale;

means for determining a dispositive outcome for the application for compensation, wherein the dispositive outcome comprises rewarding the consumer for exhibiting a desired behavior and/or penalizing the consumer for not exhibiting a desired behavior; and

means for implementing the dispositive outcome at the point of sale.

25 . In a non-transitory computer readable storage medium having stored therein data representing instructions executable by a programmed processor for processing an application for compensation, the storage medium comprising instructions for:

receiving an application for compensation submitted to a processing hub through a point of sale and/or a system coupled therewith;

evaluating the application for compensation in response to the receiving based on data associated with a consumer and/or the application for compensation and/or the point of sale;

determining a dispositive outcome for the application for compensation, wherein the dispositive outcome comprises rewarding the consumer for exhibiting a desired behavior and/or penalizing the consumer for not exhibiting a desired behavior; and

implementing the dispositive outcome at the point of sale.