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

A data processing system configured to process a payment for a health care service that is at least partly covered by a health insurance provider, the data processing system comprising:

• a data storage configured to:
• store cash rate data representing cash rate costs paid for health care services for one or more transactions with health care providers;
• and
• a payment processing engine comprising one or more processors, the payment processing engine configured to:
• receive transaction data indicating a purchase of a health care service, the transaction data specifying a key value that uniquely identifies a consumer of the health care service;
• in response to receiving the transaction data, access, 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;
• retrieve payment data from the payment source, the payment data specifying a portion of a cost of the health care being paid by the payment source;
• cause 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;
• access the data storage to receive the cash rate data associated with the health care;
• determine 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;
• and
• determine 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.

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 one or more transactions with health care providers;
• receiving transaction data indicating a purchase of a health care service, the transaction data specifying a key value that uniquely identifies a consumer of the health care service;
• 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 payment data from the payment source, the payment data specifying a portion of a cost of the health care being paid by the payment source;
• causing 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 the 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;
• and
• 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.

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

• storing cash rate data representing cash rate costs paid for health care services for one or more transactions with health care providers;
• receiving transaction data indicating a purchase of a health care service, the transaction data specifying a key value that uniquely identifies a consumer of the health care service;
• 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 payment data from the payment source, the payment data specifying a portion of a cost of the health care being paid by the payment source;
• causing 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 the 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;
• and
• 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.