Data processing system for processing network data records transmitted from remote, distributed terminal devices

A method for processing a payment for a health care service that is at least partly covered by a health insurance provider, the method comprising:

• storing cash rate data representing cash rate costs paid for health care services for each of a plurality of transactions processed by point of sale systems of health care providers;
• receiving transaction data indicating a purchase of a health care service at a point of sale system of a health care provider, the transaction data specifying a key value that uniquely identifies a consumer of the health care;
• in response to receiving the transaction data, accessing, from a hardware storage device, a node labeled with the key value;
• looking-up, in the accessed node, coverage data of the consumer, with the coverage data specifying a payment source for the purchase of the health care;
• retrieving co-pay data from the payment source, the co-pay data specifying a portion of a cost of the health care being paid by the payment source;
• causing, within a threshold time of receiving the transaction data, the portion of the cost to be satisfied from the payment source and a remaining portion of the cost to be satisfied from a coverage account;
• accessing a data storage to receive the cash rate data associated with the health care;
• determining a benefit amount of the cost of the health care, the benefit amount of the cost being based on the cash rate costs paid for the health care;
• determining a credit or a debit to apply to the payment source by comparing the benefit amount of the cost to the remaining portion of the cost satisfied by the coverage account;
• generating a notice of the credit or the debit;
• and
• causing transmission of the notice to a computing device associated with the consumer.

One or more non-transitory computer readable media storing instructions for processing a payment for a health care service that is at least partly covered by a health insurance provider, the instructions configured to cause at one processor executing the instructions to perform operations comprising:

• storing cash rate data representing cash rate costs paid for health care services for each of a plurality of transactions processed by point of sale systems of health care providers;
• receiving transaction data indicating a purchase of a health care service at a point of sale system of a health care provider, the transaction data specifying a key value that uniquely identifies a consumer of the health care;
• in response to receiving the transaction data, accessing, from a hardware storage device, a node labeled with the key value;
• looking-up, in the accessed node, coverage data of the consumer, with the coverage data specifying a payment source for the purchase of the health care;
• retrieving co-pay data from the payment source, the co-pay data specifying a portion of a cost of the health care being paid by the payment source;
• causing, within a threshold time of receiving the transaction data, the portion of the cost to be satisfied from the payment source and a remaining portion of the cost to be satisfied from a coverage account;
• accessing a data storage to receive the cash rate data associated with the health care;
• determining a benefit amount of the cost of the health care, the benefit amount of the cost being based on the cash rate costs paid for the health care;
• determining a credit or a debit to apply to the payment source by comparing the benefit amount of the cost to the remaining portion of the cost satisfied by the coverage account;
• generating a notice of the credit or the debit;
• and
• causing transmission of the notice to a computing device associated with the consumer.