Patent ID: 11955215
Assignee: SIDECAR HEALTH, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 18:
19. 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, when executed by at least one processor, configured to cause the at least one processor to perform operations comprising:
determining cash rate costs paid for health care services from each of a plurality of health care providers by performing operations comprising:
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 associated with a key value, the transaction data specifying an amount paid for 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, a geographic region associated with the purchase of the health care service; and
updating, for the geographic region, based on the amount paid for the health care service specified by the transaction data, cash rate data specifying a cash rate for purchasing the health care service in the geographic region; and

determining a benefit amount for the health care services, the benefit based on the cash rate costs paid for the health care services at the geographic region;
determining a credit or a debit to apply to a payment source by comparing the benefit amount of the amount paid for the health care service; and
causing, at a user device based on the cash rate data, presentation of the cash rate for purchasing the health care service in the geographic region; and
storing, at the node labeled with the key value, the cash rate data specifying the cash rate for purchasing the health care service in the geographic region.